Step 1: the borrower first applies to the commercial bank and provides relevant certification materials;

Step 2: Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers on the basis of relevant supporting materials of payers;

Step 3: After examination, the trustee bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time;

Step 4: After examination, the commercial bank promises the borrower the amount and term of the commercial loan in writing.

Step 5: Sign the individual housing loan contract, and the loan bank will transfer the loan amount to the account opened by the developer in the bank according to the time stipulated in the loan contract.