Legal analysis: housing provident fund loan procedures: submit a written loan application, submit information, and after the loan bank accepts it, it will be approved by the housing provident fund management department; Sign a loan contract with the bank after passing the qualification, and go through the formalities of mortgage registration, insurance and notarization; The loan bank directly transfers it to the borrower's special loan account.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27 of the Regulations on the Management of Housing Provident Fund

Applicants who apply for housing provident fund loans shall provide guarantees.