1, local household registration:

(1) On-the-job depositor with local household registration: the individual housing provident fund account has been opened for 6 months and is in a normal state, and the housing provident fund has been paid in full and on time for 6 months or more before applying for the provident fund loan, so you can apply;

(2) Local registered enterprises: when buying a new house, the purchaser has invested and set up enterprises (including companies, partnerships and sole proprietorship enterprises) in Chongqing according to law 1 year, and the enterprise has continued to carry out business activities and has relevant tax payment or social security payment records (except for buying shares of listed companies through the secondary market). It is necessary to ensure that the personal housing provident fund account has been opened for 6 months and is in a normal state, and can apply;

2. Have a foreign household registration:

(1) Have a job: have a foreign household registration, work in Chongqing, participate in social insurance in Chongqing within 1 year, and pay 12 months or more (including individual industrial and commercial households and their employees, pay social insurance premiums continuously on New Year's Eve 12 months or more), and the personal housing provident fund account has been opened for 6 months and is in a normal state;

(2) Owned enterprises: When purchasing a new house, the foreign household registration purchaser has invested and established enterprises (including companies, partnerships and sole proprietorship enterprises) in Chongqing for 1 year, and the enterprise has continued to carry out business activities, with relevant tax payment or social security payment records for 1 year (except for purchasing shares of listed companies through the secondary market), and needs to satisfy that the personal housing provident fund account has been opened for 6 months and is in a normal state.

The provident fund loan process is as follows:

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.

To sum up, housing provident fund loans to buy a house, this amount will involve their usual wage standards, generally according to their own wage standards to pay personal accounts, so this balance is directly related to the proportion they pay.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.

The housing provident fund management center shall not provide guarantees to others.

Article 29

The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.