1. Preliminary review: the materials submitted by the applicant will be preliminarily reviewed by the housing provident fund management center.

2. evaluation.

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center.

4. Go through the guarantee procedures.

5. Sign a loan contract.

6, housing fund management center and the entrusted bank signed a loan agreement.

7. The borrower directly applies for a loan from the housing fund management center.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.