Application conditions:

Borrowers applying for provident fund loans shall meet the following conditions:

1, with XX permanent residence or valid residence certificate;

2. The housing accumulation fund has been continuously paid in full for more than 12 months, or continuously paid for more than 12 months after withdrawing the accumulation fund;

3. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the city limits, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion;

4 have a stable income, good credit and the ability to repay the principal and interest of the loan;

5. Agree to guarantee according to the guarantee method recognized by the Provident Fund Center;

6. Agree to fulfill the repayment obligations on time in accordance with these Measures and the relevant provisions of the housing provident fund loan contract;

7, laws, regulations, rules and other conditions stipulated by the provident fund center.

Extended data

When applying for a loan, the borrower shall provide the following information according to different situations:

1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;

2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;

3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;

4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;

5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;

6. Collateral appraisal report issued by real estate appraisal agency;

7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;

8. Guarantee certificate issued by the real estate home purchase guarantee company;

9. Other materials required by the Provident Fund Center.

Refer to Baidu Encyclopedia-Provident Fund Loan