1. Apply for a loan: The borrower holds a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife), apply for housing provident fund loans in the real estate credit departments of all districts and counties, and fill out the Application Form for Individual Housing Provident Fund Loans (Combined Loans).

2. Bank audit: The loan bank will evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term according to the information provided by the borrower.

3. Signing a loan contract at the loan bank: After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee).

4. Go to the property right department to handle the loan guarantee procedures: there are two ways to handle the housing provident fund loan (portfolio loan), and the borrower can choose either one according to his actual situation.

5. Handling housing mortgage insurance procedures: After the borrower has completed the mortgage or pledge procedures in the property right department, he will submit the loan materials together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance procedures.

6. Sign repayment agreement and transfer money: If repayment is made by withholding savings card, the borrower should apply for withholding savings card repayment at all savings outlets of CCB and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.

7. Bank transfer: The borrower goes to the loan bank to handle the collection formalities according to the time agreed with the loan bank, and the loan bank transfers the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.