1. Original and photocopy of personal ID card;

2. Provide a copy of the original individual housing loan contract when repaying the loan for the first time;

3. Certificate of early settlement of loan issued by the bank;

4. Original and photocopy of the real estate license;

5. The borrower and spouse can only withdraw the housing provident fund once a year, and it must be withdrawn monthly, that is, they can only withdraw the provident fund from the month when the mortgage is issued to the same month of the following year.

Can I repay the mortgage in advance?

The mortgage can be paid off in advance, and the specific repayment steps are as follows:

1. Check the requirements of mortgage prepayment in the loan contract in advance, and ask to prepare relevant materials;

2. Call the bank customer service. Telephone, make an appointment with the staff for early repayment, and explain the place of early repayment;

3. Go to the bank outlet for prepayment within the scheduled time, and submit the relevant materials and application forms required for prepayment to the staff;

4. According to the staff's prompt, deposit the prepayment amount into the mortgage repayment card and wait for the system to transfer money automatically;

5. Early repayment has restrictions on repayment time and amount.

Legal basis: Article 5 of the Regulations on the Administration of Housing Provident Fund.

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.