Conditions for applying for housing provident fund loans:

1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year;

2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment;

3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan;

5. A family can only apply for a housing provident fund loan to buy a house at the same time;

6. The lender must have a permanent residence or valid residence status in the town of this province (city);

7. Agree to use the purchased house as collateral.

Information required for applying for housing provident fund loan:

1. Purchase of owner-occupied housing: individual application, unit certificate, purchase contract and invoice (see the original, keep a copy);

2. Divorce and retirement: personal application, unit certificate, divorce and retirement approval (original and photocopy);

3. On-the-job death: the identity certificate of the entrusted extractor, the certificate of the unit where the extractor works and the death certificate (original and photocopy);

4. Self-built and self-occupied housing: individual application, unit certificate and building approval procedures (original and photocopy of the permit);

5. Renovation and overhaul of self-occupied housing: original and photocopy of individual application, unit certificate and relevant approval procedures;

6. Exit and settlement: individual application, unit certificate and exit and settlement certificate;

7. Repaying the principal and interest of the house purchase loan: individual application, unit certificate.

Steps to apply for housing provident fund:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. 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. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. 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 to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval;

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank;

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively;

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.