Hello, the provident fund has been paid off. As long as the unit makes up the paid provident fund, and then applies for reconsideration of the provident fund loan, and requires the unit to issue relevant certificates and submit the application together with the purchase contract, it is expected to obtain the loan qualification.

The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

Housing provident fund loan process:

Lenders applying for housing provident fund loans need to submit a written application to the bank;

For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time;

The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner;

The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.