if you handle the personal housing provident fund loan business in Guangdong province (except Shenzhen), the loan processing flow is as follows: to handle the provident fund loan business, the Bank or the provident fund management center (and its entrusted institution) will accept the customer's loan application and submit it to the provident fund management center for examination and approval. After the approval, according to the entrustment agreement and the relevant regulations of the local provident fund management center, with its effective authorization, The Bank or the institution entrusted by the Provident Fund Management Center shall assist the Provident Fund Management Center to sign the individual housing provident fund loan contract with the customer face to face and handle mortgage registration. After the approval of the Provident Fund Management Center, the Bank will pay the allocated funds to the corresponding account agreed in the individual housing provident fund loan contract according to the amount, term and interest rate of each loan determined by the Provident Fund Management Center. After the loan is issued, the borrower shall repay the loan on time according to the individual housing provident fund loan contract. Because there are differences in policies and requirements for handling individual housing provident fund loans in local housing provident fund management centers, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GO APP to handle related business.