Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. First of all, the condition of provident fund loan is that the lender should pay the housing provident fund in full and on time on the day of applying for the loan and reach the prescribed time limit. Lenders applying for provident fund loans must have stable economic income and repayment ability, and at the same time must have no outstanding debts.

Handling provident fund loans requires certain information, including: ID card, household registration book, original and photocopy of marriage certificate of the lender and spouse (if the lender is unmarried, unmarried certificate is required). Legal commodity pre-sale contract or sales contract and its copy. Effective documents such as purchase contract and agreement. Other information required by the provident fund center.

The loan process is divided into first-hand housing loan process and second-hand housing loan process. The process of first-hand housing is: the applicant and * * * inquire with the applicant in the column of "Inquire about the pre-sale housing of provident fund loans" in the inquiry box on the home page, and contact the bank outlets after the inquiry is completed. After being accepted by the entrusted bank outlets, relevant materials shall be submitted to the Housing Provident Fund Management Center. Generally, within 5 working days, the management center will make a result on the loan application submitted by the entrusted bank. After the approval of the management center, the lender signs a contract with the entrusted bank. Finally, the lender received the information and the provident fund loan was completed. The process of second-hand housing loan is as follows: The lender clicks the "Business Appointment" module after landing in official website, and then fills in the relevant information to make an appointment for the time and place. The lender shall handle the required materials at the service hall of the provident fund management center, and the management center shall accept the materials and conduct examination and approval, waiting for the examination and approval results. After getting the result, the lender signs the contract at the bank resident counter in the service hall of the central management department. After that, I waited for the approval of the entrusted bank. After approval, the lender meets the relevant lending procedures of the entrusted bank, and the entrusted bank issues loans. Finally, the lender should go to the bank resident counter in the service hall of the central management department to obtain information.

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