Legal analysis: Because the loan amount of housing provident fund is insufficient, the borrower can apply for a combined provident fund loan from the provident fund center at the same time. After applying to the provident fund center and the entrusted loan bank; With the consent of the provident fund center and the entrusted bank, the borrower, the provident fund center and the entrusted bank sign a secured loan contract, and the house purchased by the borrower is mortgaged to the provident fund center and the entrusted bank at the same time. The longest loan period is 30 years, and men are not over 65 years old and women are not over 60 years old. Among them, the second-hand housing loan period plus housing age is no longer than 50 years.

Legal basis: Trial Measures for Personal Housing Mortgage Loan of Hangzhou Provident Fund.

Twelfth borrowers should fill in the "Hangzhou provident fund personal housing mortgage loan approval application form", and submit all the supporting documents and materials specified in Article 8, and apply for loans to the center.

Thirteenth "center" approved the amount and duration of housing provident fund loans, issued a letter of intent to the entrusted bank.

Article 14 The entrusted bank shall notify the borrower to go through the following procedures after examination: deposit the self-raised funds into the entrusted bank, and the bank will pay interest on the deposited self-raised funds according to the current interest rate stipulated by the People's Bank of China. Two, by the "center", the entrusted bank, the borrower and the guarantor signed the "Hangzhou urban provident fund personal housing loan contract". The original loan contract is in quadruplicate, with each party holding one copy and several copies. 3. The Center, the entrusted bank and the borrower sign the Personal Housing Loan Mortgage Contract of Hangzhou Provident Fund, handle notarization and real estate mortgage registration procedures and insurance according to the regulations, and hand over the relevant right certificates to the Center for safekeeping. Four. The housing appraisal fee, insurance premium and collateral storage fee incurred in the process of loan shall be borne by the borrower, and the notarization fee of mortgage loan contract shall be borne by the borrower and the "Center" respectively.

Article 15 Appropriation of loan funds: The loan funds shall be transferred by the entrusted bank to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.