1. Conditions for applying for a provident fund loan:

1. If the borrower purchases a commercial house, he must have self-raised funds of no less than 30% of the total house price as the down payment of the house.

2. The borrower has stable economic income, good credit, and the ability to repay the principal and interest of the loan.

3. If both spouses pay the housing provident fund in full and normally, only one party is allowed to apply for a housing provident fund loan.

4. A family can only apply for a housing provident fund loan once to purchase one house at the same time.

5. The lender must have a permanent urban residence or valid residence status in the province (city).

6. Agree to use the purchased house as a mortgage.

2. Information required:

1. Valid identity certificates and household registration books of the borrower and spouse (if any) (the second-generation ID card needs to copy the back page, household registration book) The book should copy the title page, home page, borrower and spouse pages).

2. Marriage certificate: If you are unmarried, a single certificate shall be issued by the marriage registration office where your household registration is located; if you are divorced, you shall provide a divorce certificate and a certificate of non-remarriage (divorce certificate, court judgment or ruling. The certificate of non-remarriage shall be issued by the marriage registration office of the household registration place. issued by the registration office); if married, provide a marriage certificate.

3. The original house purchase contract signed between the borrower and the selling unit.

4. The loan application form completed by the borrower and his/her spouse (married), the housing provident fund payment certificate issued by the unit, the salary income certificate, and the borrower’s bank card for the past year of running water.

5. The borrower shall first deliver to the seller a receipt for the down payment that is no less than the amount stipulated in the agreement.