1. Appraisal: Go to the city real estate trading center to go through the appraisal procedures, and determine the appraisal price according to the building age, floor and location of the house, which is generally lower than the buying and selling price of the house market. 2. Fund supervision: the down payment of the loan is deposited into the account designated by the Real Estate Bureau; If you buy a house in cash, you can voluntarily go to the real estate bureau for fund supervision, but the amount of fund supervision cannot exceed the evaluation price. 3. Examination and approval of bank loans: Loan customers apply for loans to CCB, BOC or provident fund management center with the loan real estate appraisal report provided by real estate trading center (CCB or provident fund center) or the appraisal report issued by appraisal company designated by BOC, ID cards of buyers and sellers, household registration book, house purchase agreement and income certificate of buyers and husbands. 4. Guarantee by the guarantee company: For the approved loan, the buyer signs a loan contract with the bank and goes through the guarantee formalities with the guarantee company. 5. Bank (provident fund) loan: The bank will transfer the money into the fund supervision account of the Real Estate Bureau according to the guarantee contract. 6, to the real estate bureau for property transactions. 7. The buyer gets the title certificate and the seller gets the money from the real estate bureau.