Legal analysis: go to the provident fund center. To apply for provident fund loans, applicants need to bring information to the management center for consultation, application and filling out the application form. After approval, the center will issue a power of attorney to the applicant. After receiving the notice, bring all the originals to the bank to sign the contract and go through the notarization formalities at the notary office. Keep the signed contract information until the house seller seals it. Hold a secured loan contract (mortgage contract) to the real estate management office for mortgage registration. Hold the registered loan contract and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally hold the transfer notice to the bank for transfer procedures.

Legal basis: Article 13 of the Regulations on the Management of Housing Provident Fund, the housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.