The first step is loan consultation. The loan applicant consults with the entrusted bank in the management center, obtains the folder of the first-hand housing loan of individual housing accumulation fund, fills it out as required, and submits it to the entrusted bank together with the following materials.

The second step is to submit an application,

The original and photocopy of the ID card and household registration book of the borrower's husband and wife; 2. Original and photocopy of marital status certificate (single certificate issued by the civil affairs department); 3. The original and photocopy of the house purchase contract filed by the real estate department, and the down payment receipt of not less than 20% of the total house price; 4. Other supporting materials required by the lending bank.

The third step, loan acceptance, bank preliminary examination. The entrusted bank conducts the preliminary examination in the provident fund system. If the preliminary examination fails, the borrower will be notified in time and the reasons will be informed. The fourth step is to sign the contract. After the first trial of the loan is passed, the entrusted bank will sign a loan (mortgage) contract with the loan applicant and the purchaser, and fill in the relevant loan information such as real estate mortgage registration. The fifth step is mortgage registration and bank audit. The sixth step is the final audit and loan issuance of the management center.