Second, sign a loan contract. After the local provident fund management center (or the entrusted bank) approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (the mortgage contract is signed with real estate mortgage, and the personal guarantee needs to enjoy the provident fund).
Third, if you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license (and land certificate), ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through the relevant formalities of notarization and other house ownership certificates.
Fourth, after the borrower goes through the mortgage formalities with the real estate mortgage, he will submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to your personal account on time.
Where employees who have normally paid housing provident fund in the center for more than one year belong to their own units, they can apply for housing provident fund loans or eligible commercial individual housing to housing provident fund loans (hereinafter referred to as business-to-public loans) when purchasing, building, renovating or overhauling their own houses (including commercial housing, affordable housing, second-hand housing, dilapidated houses, relocated houses and fund-raising houses), and meet the following conditions:
1. The applicant and his spouse have not applied for housing provident fund loans in the center, or have paid off the loan principal and interest in full on schedule;
Two, the purchase of new commercial housing, affordable housing, renovation and demolition of dilapidated houses, with the "commercial housing sales contract", not less than 20% of the total purchase price of tax invoices, "commercial housing sales contract online filing certificate";
Third, the purchase of second-hand houses includes the real estate ownership certificate held by the seller, the written document issued by the property owner agreeing to sell, the house sales contract, the down payment certificate of the purchaser, etc.
Four, self built housing with land use permits, planning and construction permits and related expenses invoices; Overhaul houses have a dangerous house appraisal report issued by the housing safety appraisal department;
Five, approved by the construction, land reform, fund-raising housing management department of the list of fund-raising housing personnel and payment receipt;
Six, in line with the "Interim Measures" provisions of the commercial individual housing loan housing provident fund loans;
Seven, the applicant has not reached the statutory retirement age, and has full capacity for civil conduct;
Eight, the applicant and his spouse have a stable income, and have the ability to continue to pay the housing provident fund and repay the loan principal and interest;
Nine, there are assets recognized by the center and the entrusted bank as collateral or pledge, or natural persons and legal persons recognized by the center as guarantees;
Ten, other conditions stipulated by the center and the entrusted bank.