For individual housing provident fund loans in Shaanxi Province, the materials to be provided when applying for loans are: 1, loan application form; 2. Household registration book, ID card or other valid proof of residence; 3, purchase contract or letter of intent and other related documents; 4, the unit housing fund management institutions agreed to loan letter; 5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution for the "house selling plan"; 6. If there is mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate; 7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate; 8. The original and photocopy of the receipt that has paid more than 30% of the house purchase advance payment; 9. Other materials required by China Bank. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Will social security be checked after the face-to-face signing of provident fund?

number

Apply for provident fund loans without checking social security. Usually, before the buyers sign the purchase contract with the developers, the developers will check the qualifications of the buyers and then check the social security payment. However, you don't need to check social security when applying for provident fund, but you need to pay it for more than half a year. Some cities require more than one year, have a fixed income and have good credit information.

The real estate prices in many cities are closely related to the macro policies of the country. If you want to buy a house in another place, you should further understand the relevant policies of the country, including the national real estate policy and the positioning of these areas, as well as the special regulations of some places on buying a house in another place, so as to be aware of it.

Do provident fund loans need social security?

Employees applying for provident fund loans do not need social security, but they need proof of employees' income and records of employees paying provident fund for six consecutive months.

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security financial support" to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The content of this article comes from: China Law Publishing House "General Knowledge Series of Legal Life"

Do provident fund loans need to be audited and paid social security?

Provident fund loans do not need to be audited and paid social security.

If a foreigner buys a house in Beijing, he must pay social security or individual tax for five consecutive years. If the social security is cut off within three months and paid back, the social security is effective. The individual tax cannot be broken, and the overdue payment is invalid.

If you want to use the provident fund loan to buy a house, you have to ensure that you pay 12 months in full before applying for the loan, and that you are in the state of payment when applying for the loan. There must also be no outstanding housing provident fund loans or provident fund discount loans.

Only in this way can we buy a house with a provident fund loan. For details, please visit: (State Administration of Taxation) and (Beijing).

Sources: (Housing Fund Management Center of Central State Organs) and (Beijing Housing Provident Fund Network)

The introduction of social security for provident fund loans ends here.