At present, employees are not allowed to apply for provident fund loans privately, and get full provident fund after changing jobs or retiring. There is no discount for buying a house, unless it is assigned to the army.

Handling methods of military provident fund loans:

Individuals apply to the army:

1. Individuals submit applications. The lender downloads and fills in the application form through the loan inquiry system;

2, the unit audit report. After review by each unit, it shall be reported before 15 of the current month;

3. Superior qualification for examination and approval. The superior business department shall complete the examination and approval before the end of the month;

4. Obtain loan approval. After the second month 1 day of application, the lender will print the approval letter of provident fund loan qualification to the financial department;

5. Sign the repayment authorization. The Lender and the Finance Department sign a power of attorney for entrusted transfer repayment.

Individuals apply to cooperative banks:

1. Apply for a bank loan. Persons who have obtained the qualification of provident fund loans shall apply to the bank for provident fund loans with the approval letter and related materials within 3 months;

2. Bank approval materials. The bank examines the repayment ability and credit status of the applicant;

3. Sign a loan contract. After the approval of the bank, sign a loan and guarantee contract with the borrower;

4. Banks issue loans. Cooperative banks issue loans according to the contents of the contract;

5. repay the loan on schedule. The borrower repays the loan on schedule according to the agreement in this contract.