Legal analysis: the provident fund loan contract is collected at the local provident fund management center. Provident fund lenders can directly apply to the housing provident fund management department for approval. Borrowers approved by the housing provident fund management department sign loan contracts and guarantee contracts with loan banks, go through mortgage registration, insurance, notarization and other related procedures, and then take relevant contract materials to the provident fund guarantee center to receive the provident fund loan contract.

Legal basis: Article 13 of the Regulations on the Management of Housing Provident Fund, the housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.