1. Before applying, the lender should consult the branches of the entrusted bank about the policies and handling procedures for the transfer of provident fund loans, and fill in the personal housing provident fund loan folder and prepare relevant documents under the guidance of the bank staff.

2. The entrusted bank accepts the loan application and reviews the authenticity, completeness, validity and standardization of the loan application materials submitted by the lender to ensure the authenticity and validity of the signatures on various documents.

3. If the lender passes the preliminary examination, the bank staff will inform him to go through the guarantee formalities with the guarantee company with relevant information.

4. The lender signs a loan contract and mortgage contract with the loan bank with the staged letter of guarantee issued by the guarantee company, and at the same time supplements the difference funds transferred to the provident fund loan to the bank savings repayment account agreed in the original commercial loan.

5. The staff of the loan bank shall enter the information of the lender's mortgage, guarantee and pre-stored differential funds in the provident fund information management system.

6. The auditor of the entrusted bank shall review the loan information submitted by the lender in accordance with the provisions of the provident fund management center.

7. After the final judgment is passed, the entrusted bank will issue loans according to the loan notice of the provident fund management center, transfer the loan funds transferred to the provident fund and the pre-stored difference funds into the original commercial loan account, and settle the original commercial loan.

8. The loan bank shall, within 7 working days after the loan is issued, cooperate with the guarantee company to handle the cancellation of the original commercial loan mortgage registration with the real estate management department, and handle the transferred provident fund loan mortgage registration procedures.

Extended content processing condition

1, which must have been approved by the original commercial loan bank;

2. The original commercial loan bank must support early settlement;

3. There is no bad repayment record;

4. The house ownership certificate has been issued;

5. The lender must be the same person as the original commercial loan borrower;

6. The lender shall pay the provident fund in full and normally within a certain period of time;

7. The sum of the lender's age and the loan term shall not exceed 5 years after the statutory retirement age;

Baidu encyclopedia-provident fund loan application process web page link