Legal analysis: the sub-loan borrower applies and provides relevant certification materials; Acceptance and approval of loans; Signing loan contracts and mortgage contracts; Lending borrowers to raise funds to pay off personal bank housing loans in advance, to the real estate management department to cancel the original bank loan mortgage registration, re-apply for housing provident fund loan mortgage registration; The provincial center stores the "Property Ownership Certificate" and self-raised repayment vouchers for repaying loans from commercial banks; Issue loans.

Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.