Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:

Proof of deposit of housing provident fund of the applicant and spouse;

Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

Valid documents such as purchase contract and agreement;

Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

The provident fund center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;

Other information required by the provident fund center.

Second, how to use provident fund loans to buy resettlement houses, what is the role?

How to use provident fund loans to buy resettlement houses, and what is the role;

The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees, which is shared by the state, the collective and the individual. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. The function of establishing employee housing provident fund: 1: raising housing funds; 2. Improve the ability of employees to buy houses and build houses; 3. Change the housing welfare distribution system to housing monetization distribution. Housing accumulation fund is a compulsory housing savings. It is a personal housing consumption fund established in the form of "personal storage and unit subsidy" according to national policies, which is specially used for individuals to pay housing expenses. How to make good use of housing provident fund is promising. Many provident fund depositors often think that they can only use the provident fund by borrowing from banks. In fact, the provident fund is not only used for loans, but also used flexibly as a "long-term financial real estate" for buying houses, building houses, decorating and other matters. According to the relevant regulations, the individual housing accumulation fund paid by citizens is a long-term housing deposit with compulsory, unified storage and special use. It is composed of employees and their units, and belongs to individuals. How to make good use of your own provident fund and turn it into real wealth to the maximum extent, there are many financial essentials. It also has the following functions: 1. Flexible provident fund to buy a house and a car. 2. Use the provident fund on the cutting edge.

3. Can I buy a resettlement house with a provident fund loan?

Legal analysis: Resettlement houses can use provident fund loans. Resettlement housing is a house built by the government to resettle residents when carrying out urban road construction and other public facilities construction projects. That is, houses for the mortgagee or lessee to live in for reasons such as urban planning and land development. Purchase resettlement houses can be provident fund loans. Different regions have different requirements for resettlement housing loans. If the loan object is an on-the-job employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, it can be handled in accordance with the regulations. The condition of housing provident fund management is that individuals and their units must continuously deposit housing provident fund for one year; The borrower has stable economic income and good credit. Can provident fund loans. Provident fund loans refer to individual housing provident fund loans. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to pay the housing provident fund depositors who buy, build, renovate or overhaul their own houses and retired employees who pay the housing provident fund during their employment. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.

4. Can the resettlement house use the provident fund?

Of course.

The resettlement house is a natural person with large property rights, and can borrow from banks and provident fund, and is at least 18 years old and has full capacity for civil conduct; Have a stable career and income, good credit and repayment ability; Other conditions stipulated by the bank require the borrower to have a stable job, income, good credit status and sufficient repayment ability.