Requirements for applying for provident fund loans:
1. Have a permanent residence in the town;
2. Continuous deposit of housing provident fund for not less than six months before application;
3. The down payment for house purchase shall not be less than the specified proportion (currently 20%);
4. The applicant has the ability to repay the loan;
5. There are no personal loan debts of provident fund and other outstanding debts that may affect the repayment ability of loans.
Materials required for applying for provident fund loans:
1. 3 copies (double-sided) of the applicant's and spouse's ID card, 2 originals of the household registration book (including the first page, the first page of the household and the personal page), and the original temporary residence permit is required for foreign household registration;
Two copies of the borrower's marriage certificate; Unmarried person provides 1 original unmarried certificate;
3. Two original income certificates of the borrower and spouse;
4. The commercial housing sales contract signed by the purchaser and the company;
5. The original and two copies of the advance payment receipt of 30% or more of the total house price;
6. Housing provident fund card.
Process of applying for provident fund loan:
1. The applicant shall go through the loan application formalities in triplicate with the purchase materials (commercial housing sales contract, down payment receipt), ID cards of both husband and wife, household registration book, marriage certificate (original and photocopy are A4) and loan application form;
2. The above institutions will pass the loan information approved to the entrusting bank;
3. The entrusting bank informs the borrower and his spouse to bring their ID cards to the signing office of the entrusting bank to sign.
Signing loan contracts and mortgage contracts;
4. The borrower and his spouse hold the ID cards of both parties and go to the housing management department to collect them together with the bank staff.
Real estate license;
5. The borrower holds the original and photocopy of the real estate license to the personal loan hall of the provident fund management center to issue a loan notice;
6. The borrower holds the original and photocopy of the real estate license and the loan notice to the entrusting bank to handle the loan issuance procedures.