Hello, \x0d\ Conditions: \x0d\ 1. The borrower must open an individual housing provident fund account for 365 days, counting forward from the date of applying for an individual housing provident fund loan (hereinafter referred to as the loan), and pay the housing provident fund 1 year on time, in full and continuously. \x0d\2。 Bad loan record or bad credit record. \x0d\3。 Not the third suite. \x0d\\x0d\ Handling: \x0d\ 1, 1, Acceptance: the borrower fills in the loan application form and authorizes the inquiry of the credit information system. After verifying that there are no bad loans and bad credit records, the center shall submit the household registration book, original ID card and marital status certificate of the borrower and the mortgagor (if the mortgagor is married, a marriage certificate is required). If the household registration book indicates that you are actually married and single, you need to provide a divorce certificate and a single statement; If the mortgagor is single, he/she shall provide a single statement; if the real estate transaction registration management department in the area where the house is located has special requirements, he/she shall provide relevant materials according to the requirements of the real estate transaction registration management department), and the original and photocopy of the commercial housing sales contract registered by the real estate transaction registration management department shall be returned after examination, and the photocopy shall be retained. The materials required for mortgage registration are provided according to the requirements of the real estate transaction registration management department (keep the original if necessary). \x0d\2。 Examination and approval: the center will determine the loan amount after examining the loan application materials submitted by the borrower. After the borrower pays mortgage insurance premium or guarantee fee, agency fee (such as entrusting the institution selected by the Center through bidding to handle mortgage registration, the same below), pre-mortgage registration fee, mortgage registration fee, household registration map copying fee, deed tax, house ownership certificate and other expenses, and stamp duty, the Center signs a loan contract with the borrower. \x0d\3。 Mortgage registration: the agency shall go through the formalities of pre-mortgage registration with the relevant written documents of mortgage registration at the real estate transaction registration management department and return the collateral to the center. \x0d\4。 Lending: After receiving the mortgage registration materials, the Center entrusts the bank to transfer the loan funds to the bank account designated by the real estate development enterprise. \ x0d \ x0d \ I hope I can help you.