1. A natural person with full capacity for civil conduct;

2. Have permanent residence in cities and towns or valid residence status;

3. The housing accumulation fund has been paid in full and on time for more than 12 months (inclusive);

4. Have a stable economic income and the ability to repay the loan principal and interest on time, and have a good credit.

5. The borrower is the purchaser and purchases the first or second set of self-occupied housing for the family (including the borrower, spouse and minor children).

6. Self-raised funds to pay the down payment for house purchase shall not be less than the prescribed proportion.

7. There is no housing provident fund loan debt and other debts that affect the repayment ability of loans.

8. Submit the application within the prescribed time limit.

9. Provide guarantee methods that meet the requirements.

Second, the loan materials

1. Yantai housing provident fund loan application approval form in duplicate.

2. Proof of identity and marriage (provided by the applicant, spouse and borrower)

(1) Original ID card (e-cert can be used)

Original residence booklet (including home page and resident registration card)

(3) Original marriage certificate (electronic certificate can be used): the divorce certificate (electronic certificate can be used), the original divorce agreement and the original court judgment should be provided to the divorcee; If the death of the spouse has not been cancelled, the original death certificate shall be provided.

3. If the second-hand house transaction is signed online, provide the original contract for the sale of existing houses in Yantai.

Note: If the online signing is not realized, the original house sales contract shall be provided (the standard contract of the real estate registration department shall be provided).

4. The original payment documents

5. Transaction materials

(1) Original General Invoice of Shandong VAT (issued on behalf of)

(2) Original tax payment certificate

(3) The original registration certificate of the transferred immovable property rights (electronic certificate can be used).

Third, the loan process.

1. loan application: the applicant submits the loan application materials (hint: the borrower should apply for a loan to the provident fund management center within 3 months after the transfer transaction is completed and a new immovable property certificate is obtained);

2. Loan acceptance: the acceptance personnel conduct a preliminary examination of the loan application and put forward preliminary examination opinions;

3. Sign a loan contract;

4. Loan review: the loan reviewer reviews the preliminary examination materials;

5. Loan approval: the loan approver approves the approved loan;

6. Mortgage registration: the applicant handles the loan mortgage procedures (hint: if you buy a second-hand house, you need the borrower to cooperate with the real estate transaction department to handle the mortgage);

7. Lending: Lending in the order of mortgage registration.

Important note:

1. The loan application period shall not exceed the remaining service life of the purchased house;

2. When applying for a portfolio loan, you need to consult the entrusting bank about the procedures and processes for handling commercial loans;

If the seller has paid all the money, the loan will not be accepted.

4. Work, address and telephone number of the loan applicant and his/her spouse. , to promptly notify the provident fund center and the loan trustee bank.

Provident fund consultation hotline: 12329

Yantai Housing Fund Management Center: 6669257

Zhifu District: 2 1 18909 Development Zone: 6 1 13 194.

Laishan: 6906393 Fushan District: 2 130667

Muping District: 8947089 Changdao County: 32 12 102

Laiyang: 72 14683 Haiyang: 3 107705

Qixia City: 3375569 Longkou City: 8577880

Penglai: 3355355 Laizhou: 2 170907

Zhaoyuan City: 8225050 High-tech Zone: 6922064