To apply for housing provident fund loans, you need to meet the following basic conditions: 1, have permanent residence or other valid residence status in this city, and have full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations. Materials and procedures required for handling housing provident fund loans: ① 3 copies of the Application and Approval Form for Housing Provident Fund Loans (filled in at the local housing provident fund management center). (2) The original and three copies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department. 3 originals of legal and valid purchase contract. 3 copies of the business license of the housing development unit, the pre-sale permit of commercial housing (forward delivery), the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house. (4) Where mortgage or pledge guarantee is involved, three originals and photocopies of the ownership certificate of the mortgaged property or pledge right shall be provided, and three originals of the written certificate of consent of the disposition right holder to mortgage (pledge) shall be provided. ⑤ Where the guarantee is involved, the applicant shall issue three originals of written commitment to provide the guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee. ⑥ Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment bills, etc.). Prove that the borrower has paid more than the specified proportion of the house price. After the above documents are fully prepared, the lender will personally go to the local housing provident fund management center to handle the loan formalities with his ID card and household registration book. Housing property ownership of more than 2 people must be present at the same time.

Legal objectivity:

Article 5 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 26

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.