Housing provident fund loans can be submitted to the loan bank, or directly to the housing provident fund management department for approval.

The specific loan process of housing provident fund is as follows:

The borrower may submit a written loan application and related materials to the loan bank, which shall submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;

The borrower approved by the housing provident fund management department shall sign the loan contract and guarantee contract with the loan bank, and handle the mortgage registration, insurance, notarization and other related procedures;

According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;

The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.