1, apply. The loan applicant shall submit a written loan application to the housing provident fund management center and the loan bank respectively, and submit relevant materials;

2. Sign the contract. After obtaining the loan amount of individual housing provident fund, the loan applicant applies to the loan bank for individual housing portfolio loan with the "Notice of Entrustment of Individual Housing Provident Fund Loan" issued by the housing provident fund management department. After the borrower receives the loan notice from the bank, individual housing provident fund loans and commercial individual housing loans need to sign loan contracts and guarantee contracts with the loan bank, and notarize the loan contracts as appropriate;

3. Apply for mortgage and insurance. After the signing of this contract, necessary procedures such as mortgage registration and insurance shall be handled in accordance with national and local laws and regulations. Mortgage registration and insurance fees shall be borne by the borrower, and the original insurance policy shall be kept by the loan bank during the mortgage period;

4. Open an account. Customers who choose to entrust deduction for repayment open a special savings account or credit card account in the loan bank. At the same time, the seller shall open a special deposit account in the loan bank;

5. Recover the loan. The borrower fills in the Transfer Voucher for Personal Housing Provident Fund Loan and Commercial Personal Housing Loan at the front desk of bank accounting, and the loan bank directly transfers the loan to the deposit account opened by the borrower, or to the deposit account opened by the seller in one lump sum or by stages, or to the deposit account opened by the seller in one lump sum or by stages;

6. Repay on schedule. The borrower shall repay the bank personal housing provident fund loan and commercial personal housing loan on schedule according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods: entrusted bank deduction and counter repayment;

7. loan settlement. Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan before the loan maturity date or the last installment; Normal settlement refers to the settlement on the maturity date of the loan or the last installment of the loan. If the loan is settled in advance, the borrower shall submit an application for early settlement to the housing provident fund management department and the loan bank 10 working days in advance after paying off all the payables;

8. Recover the mortgage loan. When the borrower repays all the loan principal and interest on schedule, the borrower receives the "loan settlement certificate" from the loan bank. Take back the original mortgage registration certificate and the real estate ownership insurance policy, and go through the mortgage registration cancellation formalities at the original mortgage registration department with the "Loan Settlement Certificate" issued by the loan bank.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.