The process of applying for a housing provident fund loan to buy a house is as follows: 1. Application. Submit a written application for a housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and submit information. 2. Preliminary review. The Housing Provident Fund Management Center will conduct a preliminary review of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After passing the preliminary review, the Management Center will issue a "Collateral Review and Assessment Notice". 3. Evaluation. After receiving the "Collateral Review and Appraisal Notice", the applicant takes the notice to the designated appraisal agency to conduct a value appraisal on the house to be purchased. If it is an affordable house, there is no need for appraisal. 4. Review. The applicant gets the "Evaluation Report Evaluation Report Housing Fund Management Core Guarantee Entrusted Loan Investigation Notice" issued by the evaluation agency. 5. Go through the guarantee procedures. The applicant holds the "Housing Fund Management Core Guarantee Entrusted Loan Investigation Notice" and goes through the guarantee procedures according to the guarantee method of his choice. 6. Sign a loan contract. After passing the review, the applicant can sign the loan contract and the entire process is completed. Article 2 of the "Regulations on the Administration of Housing Provident Funds" stipulates that these regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China and the People's Republic of China. The term “housing provident fund” as mentioned in these Regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees Contributions to long-term housing savings. Article 3 stipulates that the housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.