(I) consultation of the loan applicant

The loan applicant goes to the loan handling department or calls the loan handling department for housing provident fund loan consultation and prepares relevant materials for housing provident fund loan.

(II) The loan applicant shall go to the loan handling department for preliminary examination and relevant evaluation

1. The loan applicant shall go to the loan handling department for preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2. If it is necessary to conduct personal credit evaluation on the loan applicant according to regulations, the loan applicant shall sign the Letter of Authorization for credit evaluation under the supervision of the staff of the loan handling department.

3. The staff of the loan handling department prints the relevant documents and tells the loan applicant how to handle the next procedure.

4. If it is necessary to evaluate the house purchased by the loan applicant according to the regulations, the staff of the loan handling department will also issue a Notice of Collateral Evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for collateral evaluation at the evaluation institution designated by Beijing Housing Provident Fund Management Center.

(III) The loan applicant waits for telephone notification

1. The staff of the loan handling department will review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. For those who need to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.

2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time for signing the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the guarantee method chosen by the loan applicant is non-guarantee center guarantee, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.

(IV) Signature of the loan applicant on the relevant contract

1. According to the interview time notified by telephone, the loan applicant should go to the loan handling department to go through the signing formalities with the materials required for the face-to-face interview of the housing provident fund loan. For the loan applicant who needs to pay the evaluation fee and guarantee fee, he/she should first pay the fee at the designated counter and receive the invoice.

2. The loan applicant and * * * together with the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

(V) Bank Lending

After the loan applicant waits for the loan from the bank, he goes to the bank to collect the relevant contract documents of the borrower.

(VI) Monthly repayment

The loan applicant shall repay the loan on a monthly basis according to the stipulations in the Loan Contract.