1, where owner-occupied houses are purchased, provide purchase contracts, agreements or other certificates;

2, the purchase of owner-occupied housing, provide approval documents or other documents from the administrative departments of construction, land and other;

3, renovation, overhaul occupied housing, provide the approval documents of the planning administrative department or other documents;

4. Retirement, provide a retirement certificate;

5, completely lost the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;

6, after the termination of labor relations with the unit, not re employment for five years, to provide proof of unemployment;

7. if you leave the country to settle down, provide proof of leaving the country to settle down;

8, account out of the administrative region of this province, provide proof of migration;

9 to repay the principal and interest of the house purchase loan, and provide the house purchase loan contract;

10, pay rent, provide proof of salary income and house lease contract;

1 1, migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relationship;

12. Other circumstances specified by the Housing Provident Fund Management Center.

Provident fund loan process:

1. preliminary examination: the housing fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation;

2. Appraisal: The applicant will go to the appraisal institution designated by the center to appraise the value of the purchased house with the notice of mortgage examination and appraisal. Affordable housing does not need to be evaluated;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. In line with the conditions, the center will issue the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center";

4. Handling guarantee procedures: The applicant holds the investigation notice of entrusted loan guaranteed by the Housing Provident Fund Management Center, and handles guarantee procedures according to the selected guarantee method. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7. The borrower directly submits the loan application to the housing fund management center, and the entrusted industry can collect the borrower's application as needed and submit it to the housing fund management center for approval;

8. After the housing fund management center approves the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank.

To sum up, employees apply to the Provident Fund Center with the original relevant materials, and the Provident Fund Center will review the application within 3 working days from the date of accepting the application, and make a decision on whether to approve or disapprove the withdrawal. If the withdrawal is approved after examination, the provident fund center will transfer the withdrawal funds into my bank account provided by the withdrawal applicant; If it is not allowed to withdraw after examination, it shall inform the reason.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:

Purchase, construction, renovation and overhaul of owner-occupied housing;

2 retired;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

Rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.