1. The borrower submits the Baoding Housing Provident Fund Loan Application Form and related materials to Baoding Provident Fund Center or Baoding Undertaking Bank.

2. After Baoding Provident Fund Center or Baoding Provident Fund Center accepts the employee's application, it will review the employee's relevant situation before lending.

3. Baoding Provident Fund Center examines and approves employee loan applications.

4. For the loan approved by Baoding Provident Fund Center, Baoding Provident Fund Center, the borrower and the entrusted bank shall sign a written loan contract, or Baoding Provident Fund Center shall entrust the entrusted bank to sign a written loan contract with the borrower.

5. After Baoding Provident Fund Center issues the loan approval opinions and completes the guarantee procedures, Baoding Provident Fund Center entrusts the entrusted bank to issue loans to borrowers.