Application process; \x0d\Submit information\x0d\ When the borrower applies for a provident fund loan at the management department of the provident fund management center where he or she deposits the provident fund, and chooses the guarantee center to provide guarantee, the borrower should submit the application form including the guarantee application form. All required materials for personal loan application, including personal and spouse’s ID cards, household registers, marriage certificates, divorce certificates, proof of down payment for house purchase, house purchase contract, housing provident fund payment certificate, etc. \x0d\Audit Notice\x0d\After the management department passes the preliminary review of the loan application, it will issue a "Guarantee Application Review Notice", print out the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents, and transfer all individual loans Submit the information to the Guarantee Center. \x0d\Approval\x0d\ The guarantee center will review the guarantee application. If the borrower meets the guarantee conditions, the guarantee center will issue a "Guarantee Application Approval Opinion"; if the borrower entrusts an intermediary agency to handle the provident fund loan, the guarantee application procedures will be handled by the agency. Act as an agent and collect guarantee service fees. (Note: The agency agency must have the qualification certification of the Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center.)\x0d\Payment\x0d\The borrower pays the guarantee service based on the approved "Guarantee Application Approval Opinion" fee. The Guarantee Center issues invoices for guarantee service fees, and stamps the official seal of the Guarantee Center on approved legal documents such as the Loan Contract, Mortgage (Counter Guarantee) Contract, and Collection Contract. \x0d\Material Transfer\x0d\The reviewed personal loan application materials (including the sealed contract) will be forwarded by the Guarantee Center to the Housing Provident Fund Management Department; if an intermediary is entrusted to handle the application, the intermediary will be responsible for the transmission of the above information. \x0d\Sign the contract\x0d\The Housing Provident Fund Management Department supervises and guides the borrower applicants to sign on the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents. \x0d\The establishment of the employee housing provident fund is a measure to implement the reform of the housing system in my country. The purpose is to jointly bear the burden of the state, collectives and individuals to solve the housing difficulties of employees. The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to regulations, all employees who have contributed to provident funds have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. \x0d\Approval Procedure\x0d\ 1. Basis for Approval\x0d\1. "Housing Provident Fund Management Regulations" [1]\x0d\2. "XX City Housing Provident Fund Loan Management Measures" \x0d\ 2. Scope of acceptance, our city Employees who normally pay housing provident funds and purchase, build, renovate, or overhaul ordinary houses for self-occupation within the city's area can apply for personal housing provident fund loans from the affiliated institutions of our center due to insufficient funds. \x0d\ 3. Application conditions Borrowers applying for loans should meet the following conditions: \x0d\1. Have a permanent residence in XX City or a valid residence certificate; \x0d\2. Pay the housing provident fund in full for more than 6 months continuously. Or after withdrawing the provident fund and paying it continuously for more than 6 months; \x0d\3. Purchase, build, renovate, and overhaul self-occupied ordinary housing (excluding commercial and residential dual-use housing) within this city and have relevant procedures, documents, and The prescribed proportion of self-raised funds has been delivered;\x0d\4. Has stable income, good credit, and the ability to repay the principal and interest of the loan;\x0d\5. Agree to provide guarantee in accordance with the guarantee method approved by the Provident Fund Center;\x0d\6. Agree to perform repayment obligations on time in accordance with the relevant provisions of these Measures and the "Housing Provident Fund Loan Contract";\x0d\7. Other conditions stipulated by laws, regulations, rules and the Provident Fund Center.

\x0d\ 4. Application Materials The borrower shall provide the following materials when applying for a loan depending on the circumstances: \x0d\1. To purchase commercial housing or affordable housing, the "Commercial Housing (Economic Housing) Pre-sale Contract" and a total house price of no less than RMB 20 are required. Down payment receipt;\x0d\2. For self-built, renovated or overhauled ordinary houses for self-occupation, planning and construction documents approved by the construction or real estate administrative department, land use certificate or original house property ownership certificate, construction contract and project must be provided Budget or final accounts;\x0d\3. To purchase a second-hand house, you need to provide the "Real Estate Sales Contract" and the deed tax payment certificate;\x0d\4. When the unit raises funds to build a house, you need to provide the approval document for the fund-raising and house building, the payment receipt for the fund-raising and house building, Agreement on raising funds to build or purchase a house;\x0d\5. Valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his/her spouse;\x0d\6. Collateral evaluation report issued by a real estate evaluation agency;\x0d \x0d\8. Guarantee certificate issued by the guarantor and valid identity certificate of the guarantor; \x0d\8. Guarantee certificate issued by the real estate purchase guarantee company; \x0d\9. Other materials required by the Provident Fund Center. \x0d\5. Procedures\x0d\1. The borrower shall obtain the Housing Provident Fund Loan Application Form from each branch of the Provident Fund Center and truthfully fill in the "Housing Provident Fund Loan Application Form", and attach relevant materials and submit it to the Provident Fund Center for review; \x0d\2. Each provident fund center branch After reviewing the authenticity of the borrower's house purchase and repayment ability, the branch proposes a proposal for the loan amount and term. After passing the preliminary review and signing the opinion by the person in charge of the branch, it will be reported to the Municipal Provident Fund Center for review and approval;\x0d\3. Review by the Municipal Provident Fund Center Then make a decision to grant the loan or not, and transfer the loan materials back to each branch;\x0d\4. If the loan is approved, the branches of the Provident Fund Center will transfer the loan materials to the trustee bank, and the trustee bank will notify the borrower and the mortgage The guarantee party shall sign the "Housing Provident Fund Loan Contract" and go through the mortgage guarantee procedures; for those who do not meet the loan conditions, each branch will notify the loan applicant and explain the reasons;\x0d\5. The trustee bank will issue the loan to the borrower. \x0d\ 6. Processing time limit \x0d\ 1. Acceptance review. The initial review time of the branch shall not exceed 2 working days from the date of acceptance of the loan application. If the batch size is large or there are other special circumstances, it may be extended by 3 working days;\x0d\2. Review and approval. The approval time of the Municipal Provident Fund Center shall not exceed 3 working days from the receipt of loan materials submitted by each branch. \x0d\7. Charging standards, no charge.