Legal analysis: 1, the buyer and the seller signed the House Purchase and Sales Contract, and both the buyer and the seller * * * put forward the demand for handling the transaction fund supervision service; 2. The bank reviews the qualifications of the buyer and the seller, and signs a loan-related contract with the buyer; 3. Evaluate the property and determine the down payment amount according to the evaluation report; 4. The buyer pays the down payment, and the money goes directly into the fund supervision account, which is supervised by the bank. At the same time, the Buyer and the Seller sign the Agreement on Fund Supervision between the Buyer and the Seller; 5. The Buyer and the Seller shall go through the formalities of tax payment and transfer; 6. After the transfer formalities are completed, the bank will pay the down payment according to the instructions according to the authorization of the buyer and the seller.

Legal basis: Law of the People's Republic of China on Urban Real Estate Management

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department specified by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.