Hello, the processing flow of provident fund renovation loan: Step 1: apply for 1, and if you want to buy commercial housing or affordable housing, you should sign a purchase contract with the seller, and at the same time receive the Application Approval Form for Housing Provident Fund Loan from the seller, fill in the form and prepare relevant materials to determine the loan amount; 2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center; 3. To buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review the house selling unit or guarantee company and submit the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review. Step 3: Sign a loan contract. After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Step 4: Ensure 1. The purchase of commercial housing and affordable housing built by the developer who signed the housing provident fund loan cooperation agreement with the center, before the formal mortgage of the house, the developer shall undertake joint and several liability guarantee for the borrower in stages; 2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center; 3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility. Step 5: After the borrower of the bank loan completes all the above procedures, the Center will issue a "Decision on Granting Loan" to the entrusting bank to inform the bank to lend money. Step 6: Repay 1. The borrower repays the bank on a monthly basis according to the monthly repayment amount agreed in the loan contract. 2. Have a local permanent residence or valid residence status and a fixed detailed address; 3. Have a legitimate occupation, a stable and reliable source of income, good credit and the ability to repay the principal and interest of the loan on schedule; 4. In principle, you must hold the family decoration agreement or contract signed by the decoration enterprise recognized by the lender and the decoration project budget table; 5. To provide mortgage, pledge or third-party guarantee with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability; 6. There is a deposit certificate of not less than 30% of the total amount of home decoration in the bank designated by the lender, or there is a certificate that more than 30% of the decoration money has been paid by itself; 7. Implement other loan conditions stipulated by the lender.