After the interest rate of commercial loans was raised, provident fund loans began to be favored by more buyers because of the low interest rate. At present, the down payment of provident fund loans has also increased, and the loan threshold has increased. What are the procedures for applying for provident fund loans now? Apply for a loan at the local housing provident fund management center first. The borrower holds a house purchase contract or agreement (copy of the buyer's house sales license; To build or repair a house, you must apply for a housing provident fund loan at the provident fund management centers of cities and counties with the approval document of the government land planning and management department, ID card, housing provident fund savings magnetic card and seal. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of husband and wife relationship, fill in the application form for personal housing provident fund loans. The loan bank shall, according to the borrower's application, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term. Second, sign a loan contract. After the local provident fund management center (or the entrusted bank) approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (the mortgage contract is signed with real estate mortgage, and the personal guarantee needs to enjoy the provident fund). Third, if you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license (and land certificate), ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through the relevant formalities of notarization and other house ownership certificates. Fourth, after the borrower goes through the mortgage formalities with the real estate mortgage, he will submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to your personal account on time. Pay attention to: 1 when applying for second-hand housing provident fund loans. At the time of application, the borrower and the employer have paid the housing provident fund in full and on time for more than one year, and the borrower and spouse have not applied for the provident fund loan or the obtained provident fund loan has been returned; 2. The borrower must have permanent residence or valid residence status within the administrative area of this Municipality; 3. The borrower must have a house purchase contract or agreement, and the down payment meets the relevant requirements; 4. The borrower must have stable economic income, good credit and corresponding loan repayment ability; 5. The borrower shall have the assets recognized by the provident fund management center as mortgage or pledge.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.