Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

2. What materials should be provided for individual housing provident fund loans?

When handling personal housing provident fund loans, the following materials shall be provided if credit guarantee is adopted:

(1) proof of income (affixed with the financial seal after the ID card is affixed to the designated place) (2 copies);

(2) Original (1 copy) and copy (1 copy) of the house purchase contract;

(3) Original shopping invoice or receipt (1 copy) and copy (2 copies);

(4) Copy of the original (1 copy) of the household registration card of both husband and wife (2 copies);

(5) Original marriage certificate (1 copy) or single certificate (2 copies);

(6) If the spouse is unemployed, provide proof (2 copies);

(7) Housing provident fund loan guarantee.

Take housing as collateral:

(1) Borrower's income certificate (affixed with financial seal after the ID card is affixed to the designated place) (3 copies);

(2) Original (1 copy) and copy (2 copies) of the house purchase contract;

(3) Original purchase invoice or receipt (

(4) Copy of the original (1 copy) of the borrower's husband and wife household registration card (4

(5) The original certificate of the borrower's marriage (divorce) or single certificate (1 copy) (4 copies);

(6) If the borrower's spouse is unemployed, submit the certificate (4 copies);

(7) Copy of ID cards of the borrower's husband and wife (1 copy);

In addition, provide the mortgagor's husband and wife household registration book 1 original and 2 copies;

(1 share and 1 share;

Use commercial housing loans to transfer to the public.

(1) proof of income (affixed with the financial seal after the ID card is affixed to the designated location) (3 copies);

(2) Original (1 copy) and copy (3 copies) of the house purchase contract;

(3 original purchase invoices);

(4) Original bank loan contract (1 copy) and copy (4 copies);

(5) Copy of bank loan balance sheet (4 copies) (stamped with the seal of the loan bank);

(6) Copy of bank loan repayment flow chart (4 copies) (stamped with the seal of the loan bank);

(7) Original of the borrower's husband and wife household registration card (1 copy)

(8) The original marriage certificate (divorce certificate) or single certificate of the borrower (;

(9) If the borrower's spouse is unemployed, provide a copy of the original certificate (1 copy) (

(10) Copy of ID cards of the borrower's husband and wife (1 copy);

(1 1 copy)

Note: The sizes of the above printed parts should be consistent, all of which are A4 paper; Don't cut it into small squares, don't copy different kinds of materials on a piece of paper, and don't bring your ID card to the business acceptance office to sign the personal credit inquiry authorization.

3. What materials are needed for housing provident fund loans?

1. Materials required for housing provident fund loan: the household registration book of the borrower and his spouse; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Proof of income; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law.

2. Choose a good type of personal housing loan. At present, there are three kinds of loans: individual housing provident fund loans, individual housing portfolio loans and individual housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. Property buyers should pay attention to the fact that provident fund loans are only lent to employees who have established housing provident fund, and the maximum loan amount cannot exceed 390,000 yuan.

3. Try to repay individual housing loans flexibly. When many borrowers first took out loans, they had the idea of lending more points because they didn't know how much money they would make in the future. In recent years, with the increase of income, the repayment ability has been greatly improved, but the loan interest has also increased. Therefore, if the ability permits, those who can pay off the loan in advance should pay it off as soon as possible, so that they can also ask the insurance company to refund the premium in the early stage.