The new site requires the developer to submit a provident fund loan application to the local provident fund management center and pass it. Developers must submit a lot of materials, which are basically important documents for developers. This is very simple. You can ask the developer or go directly to the large real estate website. Even directly ask whether a certain district of the provident fund management center can apply for provident fund loans.

In addition, only residential projects can apply for provident fund loans, while office buildings, shops, apartments and so on. Is an unacceptable provident fund. Second-hand houses can be handled directly.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4 normal payment of housing provident fund before the loan, and continuous payment for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. The borrower and the purchaser must be consistent in the purchase contract, and the co-owner (except the spouse) who purchases the shared property house must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle house mortgage and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.