1, Xining housing provident fund loan approval system is very strict, so the progress is relatively slow, generally it takes 2~4 months to lend money.

2. To apply for housing provident fund loans in Xining, you must have permanent residence or valid residence status in this province and have full capacity for civil conduct; Have a stable income, good credit and the ability to repay the principal and interest of the loan on time; The average monthly repayment amount of the borrower cannot exceed 50% of the sum of the monthly income of both husband and wife.

3, the purchase of housing, there must be a legitimate purchase contract or agreement; Construction, renovation and overhaul of owner-occupied housing must have the approval documents of the planning and land management departments; More than 30% of self-raised funds are used for the purchase, construction, renovation and overhaul of owner-occupied housing.

4. Units that have continuously paid housing provident fund for more than 6 months in Xining Provident Fund Center may apply for housing provident fund loans if their employees have continuously paid housing provident fund for more than 6 months. Apply for housing provident fund, after applying for housing provident fund withdrawal, keep the deposit amount for one year.

The above is about Xining provident fund. I hope I can help you. Want to know more about Xining provident fund, please continue to pay attention.