Hello, I am glad to answer your question about how to apply for provident fund loans. 1. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the resident identity card, household registration book and other valid residence certificates) and marital status documents; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral and pledge used for guarantee, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results 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 procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department 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 joint center for safekeeping.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.