Provident fund loan conditions:

1. Have a legal and valid identity document;

2. The payment status is normal and the provident fund has been paid in full for 6 consecutive months. (Inclusive of) the above and good credit;

3. Have a stable income and the ability to repay the loan;

4. Have a legal and valid housing purchase contract, agreement or real estate administration department "House Ownership Certificate" issued;

5. If purchasing a house, a down payment of no less than 30% of the total price of the house has been paid;

6. Construction and renovation , If a house is being overhauled, it must be able to pay 30% of the upfront cost of all the costs required to build, renovate, or overhaul the house;

7. If it is building or renovating a house, it must have documents approved by the planning and land management departments;

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8. For major housing renovations, have documents approved by the planning management department;

9. Be able to provide an effective guarantee recognized by the management center;

10. Relevant laws and regulations and other conditions specified in the policy.

Process for provident fund loans:

1. The borrower applies for a loan at the acceptance outlet;

2. The acceptance outlet handles the inquiry on the status of the property under the family’s name on its behalf;

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3. Acceptance at the acceptance outlet;

3. Signing the contract;

4. Approval;

5. Handling mortgage registration procedures at the real estate trading center;

6. Bank lending.

The information required to apply for a housing provident fund loan is as follows:

1. "Housing Provident Fund Loan Application Approval Form" in triplicate (fill in on-site at the local housing provident fund management center);

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2. The borrower’s and spouse’s household registration book, resident ID card, original marriage certificate and 3 copies; singles must provide the original and 3 copies of single certificate and divorce certificate issued by the civil affairs department;

3. 3 original legal and valid house purchase contracts. Copies of the housing development unit's "Business License", "Commercial Housing Pre-sale License" (off-plan property), "Commercial Housing Sales License", "Completion Acceptance Certificate", and 3 copies of the big house certificate;

4. If a mortgage or pledge guarantee is involved, the original and 3 copies of the ownership certificate of the mortgage or pledge rights, as well as 3 original written certificates of the consent of the person with the right to dispose of the mortgage (pledge);

5. If a guarantee is involved, the guarantor is required to issue 3 original written commitments agreeing to provide guarantee and provide copies of supporting materials proving the guarantor’s ability to guarantee (including business license, financial statements for the past three years, qualification level certificates, credit rating certificates, etc.) 3 copies;

6. The original and 3 copies of the down payment documents (invoices, receipts, bank statements, cash payment notes, etc.) that the borrower has paid for more than the specified proportion of the purchase price of the house. pieces.