Provident fund loans to buy a house, except the down payment, the rest can not be fully loaned, depending on your specific loan amount. The provident fund management center stipulates that the maximum personal provident fund loan is 400 thousand, and the husband and wife are 700 thousand-800 thousand.

1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan. With the approval of the center, employees in the deferred payment state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

The loan terms vary from place to place. In general, borrowers should meet the following conditions when applying for loans:

(a) to apply for a loan according to the provisions of the municipal housing provident fund management, the housing provident fund has been paid in full for more than 6 months, and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.

(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;

(3) Having stable income, good credit and the ability to repay the principal and interest of the loan;

(four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;

(five) to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center; (6) Other prescribed conditions. Those who meet the above conditions can apply for provident fund loans. Second, the specific process of buying a house by loan

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook.