1. The borrower submits a written loan application to the bank and submits the following materials: my ID card, household registration book or other valid proof of residence; Purchase contract or letter of intent and other related documents; Letter from the borrower's unit agreeing to the loan; Other materials required by customers. The bank is responsible for accepting and submitting the application to the housing provident fund management department or directly to the provident fund management department.
2. First instance. The client conducts a preliminary review of the application submitted by the applicant.
3. investigation. After the client has passed the preliminary examination, the trustee (bank) will investigate the loan object and put forward the investigation opinions.
4? Sign an entrustment contract. The client approves the loan according to the investigation opinions put forward by the trustee. After approval, the trustee and the principal sign an entrustment contract, and then the principal issues a notice of entrusted loan.
5. Sign loans and contracts. According to the entrustment contract, the trustee and the borrower sign a loan contract and a guarantee contract. Borrowers who choose the entrusted deduction method need to open a savings account in the bank.