The application for provident fund loans in different places mainly includes that employees who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for housing provident fund personal housing loans, and the loan target is the paid employees who have purchased the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.

New employees start to pay housing provident fund from the second month of work, and newly transferred employees start to pay housing provident fund from the month when they are transferred to the unit.

Extended data:

When applying for a loan, the borrower shall provide the following information according to different situations:

1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;

2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;

3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;

4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;

5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;

6. Collateral appraisal report issued by real estate appraisal agency;

7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;

8. Guarantee certificate issued by the real estate home purchase guarantee company;

9. Other materials required by the Provident Fund Center.

References:

Baidu encyclopedia-provident fund loan application in different places