Legal analysis: 1. Users should bring relevant information to the designated bank to handle the monthly mortgage repayment business of housing provident fund, and receive and fill out the "Approval Form for Monthly Mortgage Repayment of Housing Provident Fund"; 2. The bank will accept the application according to the submitted materials. If approved, the bank will stamp the approval form, and then the user will take the approval form to the local provident fund management center for acceptance; 3 local provident fund management center for approval. After approval, the loan can be repaid on a monthly basis. Buying a house with a provident fund loan means that the depositor buys a house with a loan from his own provident fund account. However, depositors must meet several conditions when making loans. First, the lender must have full capacity for civil conduct; second, he must have a stable occupation and income and the ability to repay the principal and interest of the loan. Finally, he must meet the conditions and policies of provident fund loans.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.