Legal analysis: the applicant carries all materials (ID card, etc.). ) submitted to the city housing provident fund management center; Examination and approval of provident fund center; After signing the contract with the loan applicant, the housing provident fund management center or the entrusted bank shall go through the mortgage guarantee formalities at the Xiamen Real Estate Registration Center; City housing provident fund management center to review mortgage guarantee materials, notify the entrusted bank to lend; The entrusted bank transfers the loan funds to the collection account agreed in the loan contract.

Legal basis: Article 18 of the Regulations on the Management of Housing Provident Fund stipulates that the deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.