In fact, when we buy a house, using provident fund loans is a common loan method in our mortgage loans. We should know that the loan interest rate of our provident fund loan is lower than that of bank commercial loans, at least similar to that of commercial loans, so it is loved by many loan users. Then the question is how to use provident fund loans when buying a house, and then let's look at the steps.

1. First, prepare the main materials needed: ID card, household registration book, marriage certificate, purchase contract, deed tax payment or exemption certificate of the purchaser and his spouse. As a borrower, we need to submit a written application to the municipal housing provident fund management center, so we should also fill out our own housing provident fund loan application form and provide relevant information truthfully.

2 to review the qualifications of borrowers and guarantors, the relevant loan amount and loan term, and fill in the contract. After we agree, we can sign relevant contracts or agreements with the Center, and handle insurance according to the regulations of the People's Bank of China. In the housing provident fund management center of our city, a loan approval notice should also be issued to the bank. After receiving the loan notice, the relevant banks can go through the loan issuance procedures.

We also need to go to the bank to calculate according to our own provident fund payment, so as to know the loan amount and monthly repayment amount. At the same time, it can also be withdrawn once a year according to the relevant provisions of provident fund management.

4. You should also choose the method of "balance mortgage" in your own repayment method, that is, the extracted provident fund must first return the principal and interest of the housing provident fund loan and commercial loan of the current month.

At this time, we must pay attention to it. If you want to make provident fund loans more cost-effective, you can find ways to increase the loan amount. Generally, the auditing standards of provident fund loan amount are different in different regions, so users can know the auditing standards of their own provident fund loan amount before lending, and then increase their own amount.