General residential housing can apply for provident fund loans, but commercial housing cannot. It is recommended to verify the type of residence.

The application conditions for provident fund loans in various provident fund centers are different, the main ones are:

1. Have full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the principal and interest of the loan;

3. Pay the housing provident fund in full and on time;

4. The down payment ratio meets the requirements;

5. The local provident fund management center Other conditions specified.

Agricultural Bank of China’s personal housing provident fund loan application materials are as follows:

1. Identity document (referring to resident ID card, household register and other valid residence documents);

2 , Legal housing purchase (construction, repair) contracts, agreements and other approval documents;

3. If you build your own house, you should issue planning, construction, planning, land and other approval documents from the department;< /p>

4. For renovation of self-owned housing, approval documents from relevant departments such as planning, construction, planning, and land should be issued;

5. Proof of down payment that meets the requirements of the Provident Fund Center;< /p>

6. Proof that the borrower’s family has a stable economic income;

7. Information about the collateral or guarantor recognized by the Housing Provident Fund Management Center;

8. Other conditions specified by the Housing Provident Fund Management Center.

Regulations may differ in each region, please contact the local provident fund management center for details