1. The housing fund management center signs an entrusted loan agreement with the entrusted bank.

2, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval.

(1) Borrower's identity certificate (referring to resident ID card, household registration book or other valid residence certificate) and proof of marital status;

(2) Proof of the borrower's family property and income;

(3) Legal letter of intent, agreement or other approval documents for house purchase (construction or repair) contract;

(4) List of mortgaged property or assets, proof of ownership and proof that the person who has the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

(5) It has its own funds accounting for more than 20% of the total price of the purchased (built or repaired) house, and it is guaranteed to be used for the down payment of the purchased (built or repaired) house;

(6) self-built housing, should be issued by the planning, construction, planning, land and other relevant departments of the approval documents;

(seven) for renovation and overhaul of self-owned housing, it shall issue a certificate of ownership of self-owned housing;

(8) There are assets recognized by the housing provident fund management center as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

(nine) other conditions stipulated by the housing provident fund management center.

3. The housing fund management center examines and approves the amount, term and interest rate of each loan, and signs a loan contract with the trustee.

4. According to the entrusted loan contract, the entrusted bank shall go through the loan formalities after signing the mortgage contract of housing provident fund entrusted loan, the pledge contract of housing provident fund entrusted loan and the guarantee contract of housing provident fund entrusted loan with the borrower respectively.

5. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.