1. To apply for a provident fund loan, you must meet the following conditions: be able to provide a valid identity certificate, and have paid the housing provident fund in full for more than 6-12 months (different cities have different requirements) ). The down payment has been paid for the house being purchased and a valid purchase contract can be provided. The borrower must have full civil capacity, have a stable job and income, and have sufficient willingness and ability to repay. Be able to provide valid guarantee or mortgage certificate.

2. Provident fund loan process: Go to the management department of the provident fund management center where you deposit your provident fund and apply for a provident fund loan. Provide relevant information, including ID card, household register, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, housing provident fund payment certificate, etc. The provident fund management center will conduct a preliminary review of the information. After review by the Guarantee Center, if the borrower meets the guarantee conditions, the Guarantee Center will issue a "Guarantee Application Approval Opinion". The reviewed personal loan application materials will be forwarded by the Guarantee Center to the Housing Provident Fund Management Center.

3. Sign the loan contract and issue the loan.