Borrowers apply for housing provident fund loans to the real estate credit department of the undertaking bank with the purchase contract, ID card, housing provident fund savings magnetic card and other materials, that is, borrowers can purchase urban self-occupied housing (or other bank-approved guarantee methods) as collateral, and apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time, and they can also apply for personal housing provident fund loans while handling personal housing commercial loans, and borrowers who meet the conditions for personal housing commercial loans also pay housing provident fund.