Housing provident fund loan process:

Lenders need to submit a written application to the bank to apply for housing provident fund loans;

the bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time;

the provident fund center is responsible for approving loans and informing the bank of the approval results in time;

the bank informs the applicant to go through the loan formalities according to the approval result of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

if the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the house property management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.