After reading the above questions, my understanding is that Wuqing second-hand houses with loans are for sale, and buyers still need loans to buy this house. This situation is quite common now. Combined with Wuqing's second-hand housing market and policies, Jinfangxiu.com's suggested transaction process is as follows:

Firstly, the loan amount and credit standing of the buyer of Wuqing second-hand house are reviewed; After the verification is correct, both parties reach a sales agreement.

Both parties sign the contract, and the purchaser pays the down payment to the owner (seller); Within 3 working days after signing the second-hand house sales contract or intermediary agreement, the winning bidder shall pay the down payment to the third-party fund supervision institution; The owner (seller), the acquiring institution and the third-party fund supervision institution * * * witnessed the settlement of the bank loan owed by the owner (seller). After 7 working days (the time of different banks is not exactly the same, about 7-30 days), the bank returns the other warrants (that is, the mortgage as usual), and the owner must go to the Housing Authority to cancel the mortgage.

It shows that the third-party fund supervision institution is to freeze the buyer's down payment or purchase money, so as to prevent the buyer from refusing to perform the sales agreement after the seller settles the loan, causing heavy losses to the seller.

Generally, on the day of receiving the house book (cancellation of mortgage), both parties type "Tianjin Second-hand House Purchase and Sale Agreement-Fund Supervision" in Wuqing real estate transaction transfer hall (online signing agreement, Tianjin unified standard contract, the agreement number is supervised by Tianjin Housing Management Bureau Fund Supervision Center).

With the second-hand house sales agreement in Tianjin-fund supervision and the second-hand house appraisal report issued by the appraisal company, the buyer can apply for a house purchase loan in the bank or provident fund management center. Specific requirements need to follow the procedures stipulated by the lending bank. After the loan is approved, the seller and the buyer * * * go to the transfer hall of Wuqing real estate transaction to go through the formalities of transfer, photo taking and tax payment.

After about 15 working days, the winning bidder can get a new real estate license, and the fund supervision center of the Housing Authority will automatically distribute it to the owner (seller).

The above information comes from Jinfangxiu Wuqing Real Estate Network.