1. The loan object shall meet the following four conditions:

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(2) If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

(3) If one spouse has applied for a housing provident fund loan, neither spouse may obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

(4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

2 loan purposes must be earmarked:

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.

3 for general housing loans should have the conditions:

Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.

2. Treatment method:

Step 1, the applicant takes the commercial housing sales contract or loan contact form to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form;

Step 2, the applicant takes the ID card of himself and the auxiliary borrower, the household registration book (marriage certificate is required if the household registration books are not together), the commercial housing sales contract and the completed loan application form to the center to review the loan amount and calculate the payable expenses;

Step 3: The applicant shall submit the following materials to the center: loan application form, original house purchase and sales contract, 4 original house purchase and sales contracts, house purchase and sales approval, 6 maintenance fund receipts, 3 house payment receipts (receipt amount = total house payment-loan amount), 4 ID cards of the purchaser, 0 copies of spouse ID card, 0 copies of husband and wife household register, and pay relevant fees.

Step 4, the applicant withdraws money from the correspondent bank window of the center on the specified date and receives the receipt.

Three. Required documents:

1, 3 copies of the borrower's ID card and 2 copies of the borrower's spouse's ID card; If there is a * * * owner, at the same time provide 3 copies of the * * * owner's ID card.

2. Two copies of the household registration book of the borrower, spouse and owner (if any).

3. Two original income certificates of the borrower and spouse (sealed by the competent department of wages).

4. Two copies of the borrower's marriage certificate.

5. The borrower shall provide the 8-digit provident fund account number of the depositor in the downtown area, such as/10 xxxxxxxx, and other provident fund households shall issue the deposit details for the first 6 months of the month of application (printed at the deposit place).

6. Three originals of the commercial housing sales contract; Two copies of contract information filing summary.

7. Two deposit invoices.

8. Two copies of the house advance notice registration certificate (except for the purchase of real estate in high-tech zones and economic and technological development zones).

9. 1 state-owned land use certificate (all copies).

10, 1 Copy of pre-sale permit for commercial housing (with attached drawings).

1 1. The bank account number used by the borrower for repayment.