In principle, it is possible, but you need to consult the provident fund center for details.

The materials and procedures required for provident fund loans are as follows:

1. When applying for a loan, the borrower should prepare the following information:

1. Identity of the borrower and spouse Proof (ID card, household registration booklet, marriage certificate or divorce certificate, court judgment, ruling, certificate of unmarried or divorced and not remarried issued by the unit, etc.);

2. Materials proving stable economic income (unit salary Proof of income, etc.);

3. Proof of payment of housing provident fund;

4. House purchase contract and agreement signed with the selling unit (self-built housing requires land and planning Department's approval);

5. I and my spouse*** have completed the loan application approval form together;

6. The house payment must be no less than 20% of the total house price ( Down payment) receipt (for purchase of private property, construction or overhaul of self-occupied housing requires a self-raised fund certificate of no less than 30% of the total house payment);

7. List of pledge rights and ownership issued by the borrower Supporting documents (or a written commitment from the guarantor agreeing to provide guarantee).

2. Specific process:

Step 1: Application

1. If you want to purchase commercial housing or affordable housing, you must sign a purchase contract with the selling unit. At the same time, obtain the "Housing Provident Fund Loan Application Approval Form" from the selling unit, fill in the form and prepare relevant materials to determine the loan amount;

2. If you build or overhaul your own house, you must obtain the approval form from the land and planning management department. After submitting the approval document, go to the Changchun Housing Provident Fund Management Center to apply for a loan;

3. If you purchase a private house with full property rights (i.e. a second-hand house), go to Changfang Replacement Guarantee Co., Ltd. to apply.

Second step: review

The housing sales unit or guarantee company shall submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for approval.

Step 3: Sign a loan contract

After approval, the Housing Provident Fund Management Center will notify the borrower to sign a loan contract with the bank. And handle relevant procedures such as contract notarization and mortgage insurance.

Step 4: Guarantee

1. If you purchase commercial housing or affordable housing built by developers who have signed the "Housing Provident Fund Loan Cooperation Agreement" with the center, the housing has not been formally processed. Before the mortgage procedures, the developer shall bear a periodic joint liability guarantee for the borrower;

2. If you purchase a second-hand house with a property ownership certificate and a land certificate, you must go directly to the Mortgage Section of the Municipal Real Estate Trading Center to apply for mortgage registration, and bring For relevant procedures, go to the Property Rights Registration and Issuance Center to apply for other property rights certificates;

3. If you purchase a second-hand house with a property rights certificate but without a land certificate, the guarantee company must bear the guarantee responsibility.

Step 5: Bank loan

After the borrower has completed all the above procedures, the center will issue a "Lending Approval Decision" to the entrusting bank and notify the bank to lend.