Second-hand housing loan procedures generally include the following major steps:

1. After the buyer and seller have negotiated the price and signed the contract, they need to bring their identity certificate, property rights certificate, land certificate or copy Documents, household register, marriage certificate, sales contract, transfer confirmation and approval form, wait for the housing management department to sign online first, and then go to the bank to sign the loan contract and apply for the loan;

2. Bring the above materials to the housing management department for tax payment The department handles the property transfer registration and tax payment procedures, obtains the property rights certificate, and then handles the mortgage registration together with the bank's credit staff, and goes to the bank to withdraw the loan.