Materials required for individuals to apply for provident fund housing loans:

1. Copy of applicant's ID card

2 copies of the applicant's household registration book (including the first page and the first page of the household registration book)

3. The original income certificate of the applicant.

4. The original certificate of the applicant's provident fund deposit.

5. Original purchase contract and purchase deposit invoice

6. Married persons should also provide the above-mentioned materials of their spouses and a copy of their marriage certificate.

7. Copy of house sales license

8. Copy of land use certificate

Provident fund loan steps:

1. Apply for a loan at the loan bank. The borrower holds the contract or agreement for house purchase and construction (copy of the buyer's house sales license; To build or repair houses, you must apply for housing provident fund loans to the real estate credit department of the Construction Bank of cities and counties with the approval documents, ID cards, housing provident fund savings magnetic cards and seals of the government land planning and management departments; The use of both husband and wife housing provident fund loans, but also need to bring a marriage certificate or other materials to prove the relationship between husband and wife, fill out the "individual housing provident fund loan (portfolio) loan application." According to the borrower's application, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.

2. The borrower signs a loan contract with the loan bank. After the loan bank approves the borrower's application, the borrower signs a loan contract, mortgage contract or pledge contract with the bank (the mortgage contract is signed with real estate mortgage and the pledge contract is signed with securities pledge).

3. Go through mortgage or pledge procedures. (1) The borrower can mortgage its own, * * own or third-party property. (2) Pledge securities recognized by the lending bank, such as treasury bonds and bank deposit certificates, and the borrower will pay the securities to the lending bank for safekeeping.

4. Handle housing mortgage insurance procedures. If the borrower mortgages the real estate, after completing the mortgage formalities, the loan information should be submitted to the loan bank for home insurance formalities together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate.

5. The borrower shall go to the loan bank to handle the transfer formalities according to the time agreed with the loan bank, and the loan bank will transfer the loan to the house selling unit for the loan of repairing the house, and the borrower will extract it according to the loan contract.

6. After obtaining the house ownership certificate, the loan bank will transfer the borrower's loan into the deposit account opened by the replacement enterprise in the loan bank according to the loan contract and the housing reform agreement.

Conditions required for withdrawal of provident fund

1. Purchase, build, renovate and overhaul self-owned houses;

2. Retired;

3. Complete loss of working ability or severe disability, which is one of the common situations, and the labor relationship with the unit is terminated or terminated;

4. Settle abroad or settle in Hong Kong, Macao and Taiwan;

5. Repay the principal and interest of the owner-occupied housing loan;

6. The monthly rent of the rented house exceeds15% of the monthly salary of the family;

7 migrant workers and units to terminate (terminate) labor relations;

8. The employee dies or is declared dead;

9 are enjoying the minimum living guarantee for urban residents or poor relief treatment;

10. Party B terminates the labor relationship with this unit and has not been re-employed for more than one year;

1 1. Employees and family members have accidents due to major diseases, or major injuries have caused difficulties in family life;

12. Family life is seriously difficult due to natural disasters or other emergencies.