1. The bank informs the applicant to handle the loan formalities according to the approval result of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Housing accumulation fund refers to state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions? Long-term housing savings paid by private non-enterprise units, social organizations and their employees.

2 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

3. Lending refers to lending based on the borrower's credit and without providing collateral. Credit lending can enable borrowers to obtain additional capital and promote the expansion of production and circulation scale, so credit lending is a kind of capital lending. This is a form of bank loan. The risk of issuing credit loans is generally greater than other loans, so the interest rate is higher and many conditions are often attached.