Provident fund loan refers to the establishment of public housing fund for employees, which is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The application conditions for provident fund loans are generally one city and one policy. Taking the application conditions of Shanghai provident fund loan as an example, the required application conditions are: 1) a natural person with full civil capacity; 2) Have a permanent residence in the town or a blue-printed residence in this city; 3) deposit the housing accumulation fund in this city normally and continuously for 6 months before applying for a loan; 4) At least 30% down payment; 5) Have a stable economic income and the ability to repay loans; 6) There is no outstanding debt with a large amount that may affect the loan repayment ability. Materials required for applying for provident fund loans 1) Materials required for applying for first-hand housing provident fund loans: ① The original and photocopy of the ID card, household registration book and provident fund account number of the loan applicant, spouse, co-borrower and property owner, and minors are required to provide the one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price; (4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function; ⑥ Copy of the auction house pre-sale permit or existing home production certificate; ⑦ Original pre-sale contract or existing home sales contract; (8) The business license, qualification certificate, copy of the ID card of the legal representative of the real estate developer and the collection account number of the real estate developer or agent. 2) Second-hand housing provident fund loan application needs to carry information: ① ID card, original and photocopy of household registration book and provident fund account number of loan applicant, spouse, * * borrower and property owner. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price; (4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function; 6. Original contract for the sale of second-hand houses; ⑦ Original and photocopy of Shangjia ID card and real estate license; Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency; Pet-name ruby If the loan is extended to home, provide a copy of the loan passbook. Process of applying for provident fund loan 1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and receives the materials. 2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies. 3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee. 4) After the entrusted bank has passed the investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval. 5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities. 6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds into the developer account. 7) The borrower shall repay the loan on time in the prescribed way. 8) If the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved, and the relevant documents are returned to the borrower (mortgagor or pledger) and deposited in the housing fund management center of Zhongzhi and State Administration Bureau, the first step is to apply to the bank where the loan is opened and go through the relevant formalities. Borrowers can also find relevant lending institutions and entrust them to help with the loan procedures, and the institutions charge agency fees. In this form, except for preparing materials, signing contracts and handling insurance, other procedures can generally be entrusted to an agency. If you want to get a loan, you can log on to Easy Loan China official website to apply for a loan. For details of the loan, please refer to Easy Loan China, the leading online loan trading platform in China. Application address:/quick loan/dash-frf6136-index.html Easy Loan China, online loan application trading platform, cooperated with more than 20 banks/microfinance companies nationwide, and accepted online loan applications from all over the country. Easy Loan China will review for you as quickly as possible to solve the problem of tight funds for you. The above information comes from official website, China.