No, it is normal to apply for a mortgage with the provident fund card and password and the procedures of the house.

Second, do provident fund loans require residence permits?

There is no need for housing provident fund loan process: the lender needs to submit a written application to the bank to apply for housing provident fund loans; For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time; The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner; The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract. If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Three, provident fund loans need to prepare what materials?

The materials required for handling provident fund loans are as follows:

1. Lender's ID card, or the first page and personal page of valid ID card;

2. Change pages of the household registration book;

3. Temporary residence permit and valid residence permit;

4. If the lender is married, a valid marriage certificate is also required;

5. Personal income certificate;

6. College diploma;

7. Property right certificate of the lender company;

8. Proof of own property;

9. Public rental housing certificate, loan repayment certificate, etc. , and all materials required by the provident fund management center.

Regulations on the administration of housing provident fund

Article 24

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

4. Do I need a temporary residence permit to use provident fund loans?

If you don't need a temporary residence permit, you need two people's ID cards and household registration certificates. If you have a baby, you need to provide a copy of your baby's birth certificate, provident fund account number, down payment receipt for buying a house, etc. If you don't have a long-term residence permit, you need to collect property tax after buying a house. Temporary residence permits have no effect! !