Legal analysis: 1. Application: The borrower and his/her spouse submit an application to the management center with the loan investigation letter, recent 12-month commercial loan repayment record (all of which must be stamped with the seal of the loan bank) and other relevant documents and supporting materials, and fill out the Nanchang Housing Provident Fund Loan Application Approval Form (from business to public) in duplicate. 2. Approval: The management center will review the borrower's qualification, loan amount and completeness of loan information from the commercial bank to the public bank, and make a decision on whether to approve the loan within five working days. Borrowers can choose commercial banks as public banks among the entrusted banks in the management center. 3. Sign the loan contract and other written documents: after the approval of the Center, the borrower and all * * * sign the loan contract, loan receipt, entrusted withdrawal agreement and other written documents with the borrower at the provident fund trustee bank. 4. After the approval of the management center, the borrower settles the loan in the original borrowing commercial bank, cancels the mortgage, and goes to the real estate transaction department to re-register the mortgage. 5. Lending: After receiving the real estate license of the borrower's provident fund loan, the entrusted bank will send the written documents such as the loan contract signed by the borrower to the management center for fund transfer, and the management center will lend the money to the borrower's account after checking it.

Legal basis: Article 4 of the Regulations on the Management of Housing Provident Fund shall be managed in accordance with the principles of decision-making by the Housing Provident Fund Management Committee, operation of the Housing Provident Fund Management Center, special bank account storage and financial supervision.