First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund continuously for more than 12 months.

Step 1, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the housing provident fund loan application form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the housing accumulation fund of the applicant and spouse has been paid on time; Proof of economic income of the applicant and spouse; The contract and agreement of the purchased house and other relevant certificates; Legal certificate and value certificate as loan collateral;

Step 3, the bank will immediately accept the audit and submit it to the provident fund center in time;

Step 4, after receiving the information provided by the applicant for bank price increase, the provident fund center will; Immediately review, after passing the review, the bank will be notified immediately and the Notice of Collateral Review and Evaluation will be issued;

Step 5, after the approval of the Provident Fund Center, the bank will call the applicant to go to the bank to go through the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the Provident Fund Center for review again;

step 6, after the review by the provident fund center, the provident fund center and the entrusted bank sign an entrusted loan agreement;

Step 7, the entrusted bank shall, according to the entrusted loan agreement, handle the loan procedures and transfer the loan after the applicant signs the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan respectively;

Step 8: Go through the mortgage guarantee procedures, and generally a guarantee company will do it for you.