Legal analysis: the borrower first receives the loan slip, and then issues the registration certificate to the housing management office where the housing accumulation fund is deposited and where the house is purchased. Unmarried people should go to the civil affairs department to issue an unmarried certificate. Then go to the provident fund payment unit to issue an income certificate. Then bring the relevant documents to the counter to submit the application. After the approval of the center, the borrower signs a contract with the bank. The borrower goes to the real estate transaction department for mortgage registration. Finally, the bank approves and issues loans.

Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.