The bank informs the applicant to go through the loan formalities according to the approval result of the provident fund, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund for review. After the approval of the provident fund, the entrusted loan funds will be transferred, and the entrusted bank will issue loans in full and on time.

Provident fund loan process is generally as follows:

1. Fill in the application form: Applicants should fill in the application form for provident fund loans and provide relevant supporting materials, including ID card, work certificate, house purchase contract, etc.

2. Bank review: The bank will review the application form and supporting materials, including the applicant's credit record, repayment ability, legality and evaluation value of the house purchase;

3. Review of the Provident Fund Management Center: The Provident Fund Management Center reviews the applicant's provident fund deposit to verify the legality and amount of the housing loan;

4. Signing: After approval, the bank signs a provident fund loan contract with the applicant to confirm the repayment method, interest rate, term, etc.

5. Lending: According to the contract, the bank will deposit the loan amount into the bank account designated by the applicant for house purchase or other purposes;

6. Repayment: The applicant shall repay the loan on time, including principal and interest, according to the repayment method and time limit agreed in the contract.

To sum up, the specific process of provident fund loans may be different due to regions, banks and specific circumstances. Applicants should understand the relevant regulations and procedures, and prepare the required supporting materials in advance to ensure the smooth application for loans and repayment. At the same time, the applicant should evaluate and choose the loan bank and repayment method according to his actual situation and economic ability.

Legal basis:

Article 12 of the Regulations on the Management of Housing Provident Fund

The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.

The housing provident fund management center shall sign an entrustment contract with the entrusted bank.