At present, the repayment of provident fund is only applicable to the mortgage loan for house purchase, which is a consumer loan and cannot be repaid with provident fund. You can withdraw the provident fund in the name of decoration (you can find a decoration company to sign a contract, etc.). ).

Mortgage characteristics:

(1) The house mortgage is the guarantee of the original creditor-debtor relationship, and it is the master contract, and the house mortgage is the slave contract. It is based on the legal and effective existence of the original master contract and cannot exist independently.

(2) The mortgaged house can be kept by the mortgagee or the mortgagor, generally by the mortgagor. The custodian shall properly keep the mortgaged house.

Registration materials:

There is no charge for mortgage registration. This business is accepted in written form and needs to go through four stages: acceptance, examination, decision and notification. To handle this business, the following application materials shall be submitted:

1, application;

2. Mortgage contract;

3. If the house ownership is mortgaged, submit the "House Ownership Certificate" and "State-owned Land Use Certificate"; If the mortgage is set for the project under construction, the construction project planning permit and building construction permits shall also be submitted.

If the pre-sale of commercial housing is mortgaged, the pre-sale contract of commercial housing registered for pre-sale shall be submitted; If a joint house is mortgaged, the joint ownership certificate of the house and the proof that the joint owner agrees to mortgage shall be submitted.

Refer to the above content: Baidu Encyclopedia-House Mortgage