1. Query the balance of housing provident fund account. You can view it directly on WeChat or Alipay, or at the Housing Provident Fund Management Center.

2. If there is a balance in the personal provident fund account, you can apply to the window of the local provident fund center or the designated bank, fill in the relevant forms and bring relevant materials, such as personal ID card, house purchase contract, down payment receipt, etc.

3 provident fund center or bank will review the qualifications and conditions of the borrower, including personal provident fund deposit and loan balance, and issue relevant certificates.

4. If the loan is approved, the borrower can sign a loan reminder agreement, authorizing the provident fund center or bank to allocate a fixed amount of provident fund from the personal provident fund account every month and directly return the commercial loan.

5. The borrower shall repay the commercial loan on time according to the repayment plan agreed in the agreement. At the same time, the provident fund center or bank will regularly supervise and inspect the repayment of borrowers to ensure that borrowers fulfill their repayment obligations on time.

The specific provisions for the use of provident fund include:

1. Buying a house: you can use the provident fund loan to buy a self-occupied house, but there are certain restrictions, including the loan amount, the purchase area and the purchase city. Generally speaking, provident fund loans can be used to buy second-hand houses or new houses, but commercial real estate is not allowed;

2. Decoration: you can use the provident fund to withdraw funds for house decoration, but you need to meet certain conditions, such as the accumulated deposit time and withdrawal quota. The use of funds for provident fund renovation may be different in different regions, so it is necessary to consult the local housing provident fund management center or relevant departments;

3. Mortgage repayment: You can use the balance in the provident fund account to repay the mortgage, but you need to apply for withdrawal before repayment. Please consult the local housing provident fund management center for specific application methods and conditions;

4. Medical treatment: You can use the provident fund to withdraw funds to pay medical expenses that meet the reimbursement conditions. The scope and standard of medical reimbursement for provident fund in different regions may be different, so it is necessary to consult the local housing provident fund management center or relevant departments.

To sum up, the specific provisions on the use of provident fund may be different due to different regions and policies. The local housing provident fund management center or relevant departments should be consulted to ensure the legality and effectiveness of the use of the provident fund. In addition, when using the provident fund, we should abide by the relevant regulations and requirements to avoid illegal acts and losses.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund

Article 26

Workers who pay housing provident fund may apply for housing provident fund loans to the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

To sum up, the specific process of using provident fund to repay commercial loans may be different due to factors such as regions and banks. Therefore, the borrower should carefully read the relevant regulations and procedures of the local provident fund center or bank before operation to avoid unnecessary troubles.