The process of applying for provident fund loans includes: 1. Submit a written application to the housing provident fund management center and fill in the relevant information. 2 housing provident fund management center is responsible for qualification examination and contract filing. After the approval, the borrower and the center sign relevant contracts or agreements, and handle insurance as required. 3. After the loan formalities are completed, the housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan transfer formalities after receiving the loan notice.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.