Legal analysis: same as Chongqing employees. The loan applicant prepares all the application materials, and the development unit submits the application to the loan agency network on its behalf; Housing provident fund management center for audit; Go through the mortgage formalities at the registration authority (if there is a loan, you need to pay off the loan and go through the mortgage formalities); After the mortgage formalities are completed, the materials will be returned to the loan handling outlets for loan review; The bank issues the loan and transfers it to the account, and the borrower goes to the outlet to collect the IOU.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. County (city) does not set up housing provident fund management center.

The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.

Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.

Eleventh housing provident fund management center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(three) responsible for the accounting of housing provident fund;

(four) to approve the extraction and use of housing provident fund;

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan implementation report;

(seven) to undertake other matters decided by the housing provident fund management committee.