(a) the borrower to apply for housing provident fund loans need to submit a written application to the housing provident fund management center, fill in the housing provident fund loan application form and truthfully provide relevant information.

(2) The Housing Provident Fund Management Center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion. After negotiation between the borrower and the center, the borrower shall sign relevant contracts or agreements and handle insurance according to the regulations of the handling bank.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.

Compared with ordinary commercial loans, provident fund loans are relatively cumbersome in procedures. First, the applicant must meet the conditions for applying for a loan, and the employer provides relevant information, and the lender makes relevant inquiries and applications at the housing provident fund management center. The procedure is complicated, and the specific time of this process mainly depends on the lender's own grasp. To apply for a new housing provident fund loan, the developer needs to go through the relevant filing procedures for the corresponding loan property in the real estate bureau and the provident fund center. Only after successful filing can you apply for provident fund loans, and unregistered properties cannot apply for provident fund loans. It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage.