Provident fund loans require real estate licenses. In the absence of real estate license, the borrower needs to have a legal purchase contract or agreement, have paid the down payment of more than 30% of the total price of the purchased house, and have continuously paid the housing provident fund/kloc-0 for more than 2 months or for more than 6 months before using the housing provident fund loan.

The materials required to apply for housing provident fund loans are as follows:

1, personal provident fund loan application approval form;

2. The applicant's identity card or valid identification certificate;

3. The applicant's spouse's ID card or valid identification certificate;

4. The identity card or valid identity certificate of the applicant's auxiliary repayment person;

5, the applicant and spouse, auxiliary repayment household registration book;

6. The applicant's marriage certificate or marriage relationship certificate;

7. Work and income certificates of the applicant, his/her spouse and the auxiliary repayment person;

8. Power of attorney for loan fund allocation;

9, commercial housing sales contract;

10, pre-sale permit for commercial housing;

1 1, proof of payment of provident fund account.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.