1. In the management center or the municipal housing provident fund management center that signed a loan cooperation agreement with the management center, the housing provident fund has been paid in full and on time for more than 6 months and continues to be paid normally;

2. The purchase of real estate is limited to houses with the nature of state-owned land within the administrative area of this Municipality;

3. Have a legal and valid purchase contract or property certificate (existing house, second-hand house). The purchase contract must be registered by the real estate transaction department, and the time for applying for a loan shall not exceed one year from the date of signing the purchase contract;

4. The development enterprise of the shopping industry of the applicant has signed a property cooperation agreement with the guarantee company;

5. I and my spouse have no outstanding personal housing provident fund loans.

Provident fund loan process:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

To sum up, the loan amount of provident fund is related to the balance in our provident fund account and the loan multiple, and the annual loan multiple is 15. In the management center or signed a loan cooperation agreement with the management center in different places, the city's housing provident fund management center paid the housing provident fund in full and on time for more than 6 months and continued to pay it normally.

Legal basis:

Article 1 of the Regulations on the Management of Housing Provident Fund

In order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents, these regulations are formulated.

second

These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations 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, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

essay

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 4

The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision.

Article 5

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.