Legal analysis: 1. Before going to the bank, you should apply for a bank loan settlement certificate, and bring the original ID card of the lender, the provident fund loan contract, the bank passbook, and the bank statement of any term. If the mortgage loan business of provident fund has been handled, the Power of Attorney for Withdrawing Provident Fund and Returning Housing Loan shall also be provided (in duplicate). With these five materials, the bank will immediately issue a loan settlement certificate. 2. Bring the loan settlement certificate issued by the bank, as well as the secured loan contract, the invoice of the guarantee fee and the original ID card of the borrower to the housing property guarantee company for mortgage certificate and surrender procedures.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.