1. Acceptance: the borrower fills in the loan application form and authorizes the borrower and his spouse to inquire about the credit information system. After the Provident Fund Center verifies that there are no bad loans or bad credit records, it will go to the real estate appraisal agency selected by the Provident Fund Center to evaluate the mortgaged house (if the loan has just arrived, the original commercial loan house and the mortgaged house need to be evaluated separately). After three working days, submit the materials required for the loan to the provident fund center.

2. Examination and approval: After examining the complete application materials submitted by the borrower, the provident fund center will determine the amount and duration of the provident fund loan. (If you choose to repay the loan first, the Provident Fund Center will issue the Loan Approval Form within 5 working days, and the borrower will pay off the bank loan with self-raised funds to cancel the mortgage of the original commercial loan house, and the borrower and mortgagor will continue to handle it at the Provident Fund Center with the certificate of ownership of the mortgaged house). The provident fund center signs loan contracts with borrowers and mortgagor.

3. Mortgage registration: The borrower and mortgagor (or agency) go through the mortgage registration formalities with the real estate transaction registration management department with the relevant written documents of mortgage registration, and hand over the mortgage settlement materials to the provident fund center.

4. Lending: After receiving and verifying the mortgage registration materials, the provident fund center entrusts the bank to transfer the provident fund loan funds into the borrower's personal bank settlement account by transfer.