1. Pay the housing provident fund in full monthly, and pay the housing provident fund continuously for more than 1 year;

2, a stable economic income, good credit, the ability to repay the loan principal and interest;

3. There are legal purchase contracts, agreements and documents approved by relevant departments;

4. Self-raised funds that have paid more than 20% of the purchase price;

5. Other materials required by the housing provident fund management center and the housing home purchase guarantee company.

It is not complicated to go through the formalities of lending. The key is to cancel the loan procedures of the original loan bank and handle the mortgage cancellation procedures of the real estate mortgage. The general procedure is as follows: the borrower signs a loan and guarantee contract with the housing provident fund management center and the housing property right guarantee company that agrees to provide loans and guarantees, and the borrower signs a counter-guarantee contract with the guarantee company at the same time, and then returns the loan bill to the borrower's original loan bank through the guarantee company in exchange for the collateral unsealing form, and handles the registration of property mortgage change or property mortgage registration on behalf of the borrower. Now there are housing provident fund management departments in all districts of Urumqi, and the credit staff will answer in detail how to handle them.

What needs to be told is that many people now have other mortgaged properties. If the borrower has other collateral, it is not necessary to sign a guarantee contract with the housing property guarantee company, but can go directly to the provident fund management center to go through the formalities of transferring to the provident fund loan.