For new projects, developers need to submit a provident fund loan application to the local provident fund management center and get it approved. The developer must submit a lot of materials, which are basically the developer’s important documents. This is very simple. You can ask the developer or directly check it on large real estate websites. He even directly asked the provident fund management center if a certain community could apply for a provident fund loan.

In addition, provident fund loans can only be applied for residential projects. Provident fund loans for office buildings, shops, apartments, etc. are not accepted. For second-hand houses, you can apply directly.

What conditions must be met for personal housing provident fund loans? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Formal household registration or valid residence status;

3. Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally and continuously before borrowing The payment must be made for more than half a year;

5. A valid contract or agreement for the purchase of a self-occupied house can be provided;

6. The borrower and the buyer in the house purchase contract must be consistent, and the purchase** *Those with property rights (except spouses)*** Someone must provide a written commitment to agree to the housing mortgage;

7. The value of the home is not less than 30% of the value of the home purchased for self-occupation (more than 40% of the second-hand home) own funds;

8. The borrower agrees to handle housing mortgage and insurance;

9. When purchasing commercial housing, the developer should provide a periodic guarantee and report relevant credit Materials;

10. The borrower agrees to open a personal account at the loan undertaking bank, and agrees that the loan undertaking bank will directly transfer the principal and interest of the loan from the account every month.