You can also apply for a provident fund loan without a real estate license. Acceptance scope and application materials of housing provident fund loans: 1. The Borrower has continuously paid the housing accumulation fund 12 months or more, and continuously paid it for more than 6 months; 2. The down payment of more than 30% of the total price of the purchased house has been paid; 3. There is a legal purchase contract or agreement.

Can I apply for a provident fund loan without a real estate license?

There is no real estate license, but there is a purchase contract or a transaction contract. After verification by the competent department, you can apply for provident fund. Handling housing provident fund loan procedures: 1. The loan applicant fills in the application form; 2. The applicant submits the application materials to the Center; 3. Confirm the customer's loan qualification through the preliminary examination of the center; 4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal; 5. Fill in the loan documents; 6. Submit the custody contract and loan contract to the developer and guarantee unit for seal; 7. buy insurance; 8. Submit the materials to the provident fund management center for review. "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Can I apply for a housing provident fund loan with a house purchase contract without a real estate license?

Of course. The conditions for housing provident fund loans are as follows:

1. The house purchase contract in the hands of the lender is a formal contract in multiple copies, with the signature of the developer as a legal person and the official seal of the company. With this purchase contract, you can consult with your accountant and provident fund bank to handle your provident fund loan or withdrawal.

2. The lender's provident fund account number is recorded in the provident fund every month, and your name is on the house purchase contract. Only in this way can you apply for housing provident fund loans without real estate license.

3. The developer signed a provident fund loan agreement with the local provident fund center.

4. The lender meets the relevant conditions of local housing accumulation fund.

Extended data:

Current situation of housing accumulation fund

1.2065438+On May 27th, 2007, the annual report of National Housing Provident Fund 20 16 showed that in 20 16, there were 2,382,500 paid-in units of housing provident fund, with paid-in employees1306450, an increase of 298 over the previous year.

2.2065438+ From May 2006 1 day, China will gradually reduce the proportion of housing provident fund deposit, and all deposits above 12% will be standardized and adjusted, and shall not exceed 12%. The policy is temporarily implemented for two years.

3.2065438+In May 2008, in order to reduce the cost of the real economy and reduce the non-tax burden of enterprises, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and other departments issued the Notice on Improving the Housing Provident Fund Deposit Mechanism to Further Reduce the Cost of Enterprises. According to the notice, after the expiration of the phased policy of appropriately reducing the proportion of enterprise housing provident fund deposit issued by various regions in 20 16, it will continue to be extended until April 30, 2020.