1. Application: The applicant logs on the website of Shenzhen Housing Provident Fund Management Center of Guangdong Government Service Network, inquires about the handling outlets, and selects the nearest entrusted bank outlets to submit application materials and apply;

2, at the time of acceptance, the bank provident fund loan acceptance personnel to verify the application materials, on the spot to accept or reject the decision;

3. During the audit, the bank auditor gives the audit materials and audit results on the spot.

To apply for early withdrawal of provident fund loans, the following conditions must be met:

1. The borrower can apply for prepayment only after one year from the date of issuing the provident fund loan;

2. The borrower shall repay part of the housing provident fund loan principal and interest, and the repayment amount shall not be less than 6 months of housing provident fund loan principal and interest. At the same time, the borrower should prepare his valid ID card, the latest repayment voucher, loan repayment card discount, etc. As long as the application materials are complete and meet the processing conditions, the processing period shall not exceed 3 working days;

3. If the borrower applies for full repayment in advance, it is not subject to the time limit for lending;

4. There is no need to pay liquidated damages for prepayment of provident fund loans.

Legal basis: Article 2 of the Measures for the Administration of Individual Housing Loans.

Personal housing loan (hereinafter referred to as loan) refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.