To apply for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: 1. Proof of deposit of housing provident fund of the applicant and spouse; 2. The identity certificate of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status; 3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; 4. Valid documents such as purchase contract and agreement; 5. Collateral, pledge list, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments; 6 other information required by the provident fund center.

For the loan application with complete information, the bank will accept and review it in time and submit it to Shanghai Provident Fund Center in time;

Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner;

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results 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 bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.