You have signed online and are going through the formalities of provident fund loan. I suggest you negotiate with the developer. If the developer agrees, you should cancel the contract first, and then sign a contract with your friend after the original contract is cancelled. This is possible. The most important thing here is to get the consent of the developer. You need to determine whether the original contract is really revoked and whether your contract can be successfully filed.

At present, there is no charge for the cancellation of the contract by the housing management department, and the specific process is subject to the interpretation of the housing management bureau.

Property buyers need to change their names, and developers will charge a name change fee. Developers said that although there is no policy basis for this fee, basically all properties do so, which can be said to be unwritten rules. Developers explained that they will charge the same contract renaming fee in the following three cases: first, they only pay the deposit; The second is to sign a formal contract and pay the down payment; Third, the contract has been signed and the mortgage formalities have been completed.

It is basically a very common phenomenon to charge the renaming fee, and developers also have their own difficulties. Developers generally say that they have to charge this fee for several reasons.

1. Unreasonable loss of customer resources. Because it is easy to rename a contract, many people will not take it seriously.

Second, prevent a few "real speculators" from speculating everywhere. A new project is about to appear, and many people are scrambling to order or subscribe internally. Most of them are real buyers, but a few people come to "speculate" on the house. However, the intervention of speculators will make some developers unable to see the real demand of real estate and accurately grasp the number of real customers in the customer resources of new projects, which is not conducive to the healthy development of the real estate market.

3. If the developer doesn't charge the renaming fee, then the developer has no obligation to rename the buyer, because in fact, in order to rename the contract, the developer has to do a lot of work with the buyer. For the buyer who has already secured the mortgage, the developer will also provide guarantee for each suite and pay a deposit to the bank.

Fourth, it is not conducive to the development of second-hand housing market. The renaming fee charged by developers is actually much lower than that charged by the second-hand housing market, but renaming is actually a bit like doing second-hand business, which will affect the second-hand housing market. Fifth, to prevent internal salespeople from profiting from it. If the name change fee is not charged, the buyer who has already bought the house may mix in the salespeople privately, giving them some benefits and asking them to resell the house to another new buyer.