Want to buy a second-hand house, housing provident fund loan process

First of all, you should take your ID card to the bank (usually China Construction Bank) to find out how much provident fund you have and how much you can borrow. The bank staff will tell you. Your down payment can be calculated according to the provident fund you borrowed.

1. First of all, before you do the transfer, the original owner will accompany you to the bank to apply for a provident fund loan. Required information: marriage certificate, ID card and household registration book of the original owner. Marriage certificate, ID card, household registration book and income certificate of the purchaser. Apply to the local bank.

2. After the local bank has passed the examination, it will be sent to the provincial bank for examination. When the provincial bank approves, the local bank will inform you that the approval is ok.

3. Go to the local housing authority to handle the transfer if the local bank notifies the approval. When your house book comes down, send it to the local bank for a loan.

4. Lend money within 3 days after the bank looks at the house. After the handover of the property, the matters needing attention in handover: water, electricity, heating, property fees, all the information of the house and supporting keys can be sent to you.

If it's a house, first of all, you have to go to the bank to check how much your existing provident fund and later provident fund are. Galaxy will work out how much provident fund you can borrow, and the rest is the down payment.