Buying a house with provident fund is the same as buying a house with provident fund loans.

provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Process of applying for housing provident fund loan:

Lenders need to submit a written application to the bank and fill in the application form for housing provident fund loan;

the bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time;

the provident fund center is responsible for approving loans and informing the bank of the approval results in time;

the bank informs the applicant to go through the loan formalities according to the approval result of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

if the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the house property management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.

Information to be provided:

Proof of deposit of housing provident fund of the applicant and spouse;

the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence certificates) and the marital status certificate;

proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

valid documents such as contracts and agreements for housing purchase;

collateral used for guarantee, pledge list, ownership certificate, certificate of consent of the person who has the right to dispose of mortgage and pledge, and collateral valuation certificate issued by relevant departments;

other information required by the provident fund center.