1. Application: the loan applicant and the co-applicant submit loan applications corresponding to the loan requirements to the management department that deposited the housing provident fund, and the borrower fills in the Application Form for Provident Fund Loan.

2. Preliminary review: The accepting personnel will conduct a preliminary review of the materials according to the loan policy, and input information in the form. After passing the review, the system will output the contract text and loan receipt.

3. Signature: The loan applicant and the co-applicant sign at the position specified in the above loan text and the bank withholding agreement.

4. Handling insurance: the loan applicant and the co-applicant go to the insurance company window to handle insurance (repayment guarantee insurance and property loss insurance) and mortgage procedures.

5. Lending: After the mortgage formalities are completed within the publicity period, the management department affiliated to the center will check the receipt and loan materials, and the entrusted bank will transfer the loan to the bank card (discount interest), and the borrower will collect it from the entrusted bank with the original ID card.

6. Repayment method: The borrower shall deposit the repayable principal and interest into the bank card (passbook) within the period stipulated in the bank withholding agreement every month, or repay the loan at the bank window where the account is opened until the loan is fully paid off.