You can also apply for a provident fund loan without a real estate license. Acceptance scope and application materials of housing provident fund loans: 1. The Borrower has continuously paid the housing accumulation fund 12 months or more, and continuously paid it for more than 6 months; 2. The down payment of more than 30% of the total price of the purchased house has been paid; 3. There is a legal purchase contract or agreement.

Can I apply for a provident fund loan without a real estate license?

There is no real estate license, but there is a purchase contract or a transaction contract. After verification by the competent department, you can apply for provident fund. Handling housing provident fund loan procedures: 1. The loan applicant fills in the application form; 2. The applicant submits the application materials to the Center; 3. Confirm the customer's loan qualification through the preliminary examination of the center; 4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal; 5. Fill in the loan documents; 6. Submit the custody contract and loan contract to the developer and guarantee unit for seal; 7. buy insurance; 8. Submit the materials to the provident fund management center for review. "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident 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.

You can also use provident fund loans without real estate license.

Provident fund loans to buy a house do not have real estate licenses, but there are purchase contracts and purchase agreements that can be used for loans.

Requirements for applicants to apply for provident fund loans:

Deposit housing provident fund, even in rural areas, you can apply for housing provident fund loans;

I and my unit have paid the housing provident fund in full and on time in this city for more than one year;

Have a stable professional income, good credit and the ability to repay the principal and interest of loans;

There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;

The assets stipulated in the guarantee law are mortgage or pledge of loans;

Agree to apply for house purchase guarantee or mortgaged property insurance;

Agree to other conditions stipulated by the housing provident fund management center.

Let's stop here for the introduction of provident fund loans without real estate licenses.