1. Application process: The borrower applies for a loan at the loan bank with the required information and fills in the Application Form for Housing Provident Fund (Combination) Loan.

2. The loan bank will review the loan and report it to the municipal housing provident fund management center for review after approval.

3. After approval, the loan and the borrower sign a contract: if guarantee is selected, a secured loan contract and a counter-secured mortgage contract are required; If you choose mortgage guarantee, you need to sign a mortgage loan contract; If you choose the pledge guarantee method, you need to sign a pledge loan contract.

4. Guarantee process: If guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures; If mortgage guarantee is selected, the borrower shall go through mortgage insurance procedures; If the pledge guarantee is selected, the bank shall go through the pledge formalities.

5. Approval process: The housing provident fund management center approves the loan materials.

6. Transfer process: the borrower goes to the loan bank to handle the transfer procedures.