Experience: preliminary examination-evaluation-audit-handling insurance procedures-signing loan contract. (1) preliminary examination: the housing provident fund management center conducts preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.

(2) Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

(3) Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center will issue the "Notice of Investigation on Guaranteed Entrusted Loans of Beijing Housing Provident Fund Management Center".

(4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Guaranteed Loans issued by Beijing Housing Provident Fund Management Center, and handles guarantee procedures according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written letter of guarantee. If mortgage insurance or third-party guarantee is selected, the guarantor shall apply for insurance with the insurance company or handle the entrusted guarantee formalities in the guarantee institution.

(5) sign a loan contract. Whether the real estate there is suitable depends on your own specific requirements, not on the distance from your work unit and the surrounding living conditions.