1. The applicant brings information to the management center for consultation, application and filling in the application form;

2. After approval, the Center will issue a power of attorney to the applicant;

3. After receiving the notice, the applicant will take all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant should wait for the contract information signed by the house seller;

5. The applicant holds a secured loan contract (mortgage contract) to the real estate management office to wait for mortgage registration;

6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally goes through the transfer formalities at the bank with the transfer notice.

Two. Conditions for applying for individual housing provident fund loans:

1. The housing accumulation fund has been paid normally for more than one year, and the housing accumulation fund has not been withdrawn within one year before the loan application;

2. Purchase owner-occupied housing in the cities and towns of this Municipality, and have a purchase contract that complies with the law;

3. When employees apply for housing loans, they need to pay more than 30% of the house price in advance;

4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;

5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;

6. Other conditions stipulated by the management center.