The first step is to submit the materials to the management department of the provident fund management center where I have paid the provident fund. The submitted materials include personal and spouse's ID card, household registration book, marriage certificate or divorce certificate, house purchase down payment certificate, house purchase contract, housing accumulation fund payment certificate and all personal loan application materials including the materials required for guarantee application.

Step 2: After the management department has passed the preliminary examination of your provident fund loan application, you need to issue the Notice of Guarantee Application Review, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and then submit all personal loan information to the guarantee center.

The third step is approval. After the approval of the guarantee center, the guarantee center will issue a letter of approval for the guarantee application as further application materials.

The fourth step is to pay the guarantee service fee according to the approved guarantee application approval letter.

The fifth step is to transfer the approved personal loan application materials (including the sealed contract) from the guarantee center to the housing provident fund management department.

The sixth step is to supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

The above is a complete provident fund loan application process, hoping to help everyone.