1. First of all, before applying, the lender should consult the branches of CITIC Bank about the policies and handling procedures for the transfer of provident fund loans, fill in the personal housing provident fund loan folder under the guidance of bank staff, and prepare relevant documents.

2. Secondly, the handling bank accepts the loan application and reviews the authenticity, completeness, validity and standardization of the loan information submitted by the lender to ensure that the signatures on various documents are true and effective. If the lender passes the preliminary examination, the bank staff will inform him to go to the guarantee company to handle the guarantee formalities with relevant information.

3. Finally, when signing the contract, the lender will sign the loan contract and mortgage contract with the loan bank according to the staged guarantee letter issued by the guarantee company, and at the same time make up the difference funds transferred from the provident fund loan to the bank savings repayment account agreed in the original commercial loan.