(a) my identity certificate, if there is a spouse, provide the spouse's identity certificate and marriage certificate, if there is no spouse, provide proof of unmarried or spouse;

(two) the housing sales contract or related documents.

Thirteenth provident fund center shall accept loan applications with complete materials. The provident fund center shall, within 15 days from the date of accepting the application, make a decision on whether to approve the loan according to the relevant regulations and the fund use plan of the provident fund center, and notify the applicant.

Article 14 After the borrower's loan application is approved, the parties concerned shall sign a provident fund loan contract and a mortgage contract.

Fifteenth provident fund loan contract includes the following contents:

(1) The name and domicile of the borrower;

(2) Names and domiciles of the trustor and the entrusted bank.

(3) The loan amount, term and interest rate;

(four) the method of loan repayment and the calculation method of monthly repayment amount;

(5) The method and scope of guarantee;

(6) Liability for breach of contract;

(seven) other matters that need to be agreed by both parties.

The model text of the provident fund loan contract shall be formulated by the provident fund center.

Article 16 The entrusted bank shall pay the loan funds to the seller by transfer payment according to the time and amount agreed in the loan contract. Special circumstances need to pay cash, by the provident fund center to inform the entrusted bank to pay in accordance with the provisions.

Seventeenth housing provident fund loans take the form of monthly matching principal and interest repayment, the borrower can entrust the bank to deduct it from his repayment account on schedule, or directly repay it in cash to the entrusted bank.

Article 18 With the consent of the lender, the borrower may repay all or part of the loan principal and interest in advance.

If all loans are repaid in advance, after the borrower pays off the loan principal balance, the provident fund center will no longer charge the loan interest, and the loan interest already charged according to the loan contract will not be refunded.

If part of the loan is repaid in advance, the entrusted bank, the provident fund center and the borrower shall change the loan contract in writing, and the provident fund center shall recalculate the new monthly repayment amount according to the interest rate of the same grade and the principal balance on the repayment date.

Article 19 If a borrower needs to extend or shorten the repayment period during the performance of the repayment obligation of the loan contract, he shall apply to the provident fund center, and after examination and approval, the provident fund center, the entrusted bank and the borrower shall sign a supplementary contract to extend or shorten the loan period. The extension of the loan term shall not exceed the statutory retirement period of the borrower and the longest term of the loan.

Article 20 During the repayment period, if the borrower needs to transfer his mortgaged house and debts to others (excluding his spouse, unless the court decides that the husband and wife are divorced), he shall apply to the provident fund center and go through the transfer formalities only after approval.

Article 21 If the borrower dies, is declared missing or loses the capacity for civil conduct, the successor, legatee or guardian of his property shall continue to perform the loan contract, unless the successor abandons the inheritance or the legatee abandons the legacy.