You can go to the provident fund management center to get the application form, and then the provident fund management center will examine and approve it, then go to the house purchase guarantee company to go through the formalities, and then go to the bank designated by the provident fund management center to go through the provident fund loan procedures. For details, please ask the local housing authority. Provident fund loan requirements: 1, buyer's ID card 2, buyer's household registration book 3, buyer's marriage certificate (for married people, marriage certificate for unmarried people) 4, buyer's income certificate (usually for several consecutive periods) 5. Need to provide the original loan contract loan process: sign the provident fund loan contract, fill out a housing provident fund loan application approval form (return it to the unit for seal and sign the opinion). The bank will send your application to the local housing provident fund loan approval center. Generally, the approval time will be very long. After approval, the provident fund loan bank will issue your housing provident fund loan and start repayment. The certificates of securities and guarantee companies are afraid that you can't afford to change the part of the provident fund loan. The purpose of needing the first two is to reduce the risk factor of your own provident fund, and you are afraid that the loan will not be collected at that time, so you should submit the certificate of securities or guarantee company.

2. What are the conditions for Wuxi provident fund loan?

Wuxi citizens who want to use provident fund loans to buy a house must meet the loan conditions. What are the loan conditions of Wuxi provident fund? Borrowers can apply for provident fund loans as long as they meet the conditions of paying housing provident fund for more than six months before applying for provident fund loans. What are the conditions for Wuxi provident fund loan? 1. The loan applicant must meet the following conditions of provident fund payment ... If you want to know more about the conditions of Wuxi provident fund loan, please take a look with me.

What are the conditions for Wuxi provident fund loan? 1. The loan applicant must meet one of the following conditions for the deposit of housing provident fund: (1) Pay the housing provident fund to our center on time, in full and continuously within six months before the month of applying for the loan, and do not owe the housing provident fund within two years from the month of applying for the loan; (2) If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted normally in our center for at least 1 month (the remittance status is normal and there is no default). 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner or property owner of the house (the purchase contract is signed and sealed by the buyer); Four, a stable source of economic income and the ability to repay the principal and interest on time; V. Provide a guarantee company recognized by the Center as the repayment guarantee. Six, the loan applicant husband and wife must not have outstanding provident fund loans. Tip: What are the loan conditions of Wuxi Provident Fund? First, the account deposit should be normal, generally more than six months. If the applicant is transferred from other places, he must pay at least one month's house payment in this city, and then the house he buys is an ordinary house that he lives in. Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.

Three. Wuxi Provident Fund Loan Policy of 202 1 year

The maximum loan amount of Wuxi Provident Fund is 500,000. Calculate the loan amount of provident fund in the following two ways, with the smaller value as the upper limit, which shall not exceed the maximum loan amount of the corresponding grade (1), and the borrower's housing provident fund deposit balance (based on the data of the night before applying for provident fund loan 12) is 10 times. ...

2.

The term of the provident fund loan shall not exceed three years per ten thousand yuan, but the longest shall not exceed thirty years, and shall not exceed the loanable period of the borrower. (loanable period = the date when the borrower borrows money. ...

3.

Interest rate of provident fund loan: the interest rate of individual housing provident fund loan for more than five years is 4.50%; Less than five years (including five years)

Four. About Wuxi Provident Fund Loan

(A) general housing loan conditions

1. The loan applicant must pay (the unit pays) the housing provident fund to Wuxi Housing Provident Fund Management Center (hereinafter referred to as the Center) on time, in full and continuously within 6 months before the month of applying for the loan, and will not pay (the unit will not pay) the housing provident fund from the date of participating in the housing provident fund system to the month of applying for the loan;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer);

4. Other relevant management regulations

A. If the husband and wife use the housing provident fund loan to purchase a house of more than 90 square meters (including the construction area, including the associated suite) or the purchase area is less than 90 square meters, if they use the housing provident fund loan to purchase a house for less than 5 years, they can no longer enjoy the housing provident fund loan in the future.

B. If both husband and wife use the housing provident fund loan to purchase housing twice (inclusive) or more, they cannot enjoy the housing provident fund loan.

C applying for housing provident fund loans to purchase affordable housing and other policy-oriented housing is not restricted by items A and B of this article. However, if a house is purchased again after purchasing affordable housing and other policy-oriented housing with housing provident fund loans, it must be handled in accordance with items A and B of this article.

5, a stable source of economic income and the ability to repay the principal and interest on time;

6. Provide guarantee companies recognized by the Center as repayment guarantee or securities recognized by banks as pledge.

(2) Purchase conversion loan conditions

1, the loan applicant meets the general housing provident fund loan conditions;

2. The loan applicant has obtained the house ownership certificate and the state-owned land use certificate of the purchased house;

3. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending.