Second-hand housing provident fund loans need housing property certificates and land certificates. First, the appraisal institution designated by the housing provident fund management center evaluates and prices the mortgaged houses. Then the buyer and the seller sign a house sales contract to pay the down payment and go through the formalities of renaming and transfer. Then go to the center window to get the approval form for provident fund loan application and loan contract, and prepare relevant materials. The center examines the materials submitted by the borrower, and the audited materials are handed over to the entrusted bank for contract conclusion, notarization, insurance and mortgage registration. The Center issues a decision on granting loans to the entrusted bank, and the entrusted bank lends money and the borrower repays it on a monthly basis.

If you buy a house with only a title certificate and no land certificate, you need to find a replacement guarantee company to guarantee it. The guarantee company will evaluate the purchased house and determine the loan amount. Under the supervision of the guarantee company, the buyer and the seller signed a house purchase contract and went through the formalities of name change and transfer. Then submit the information to the center for review.