You can go to the local housing provident fund center to get an application form and fill it out as required. You need to consult local staff for specific details.

To fill in the housing provident fund loan application form, you need to fill it out according to your actual situation. The specific instructions for filling out the form are as follows:

1. Please fill in the information with black or blue-black ink pen.

2. Please fill in the form carefully and truthfully, and do not alter the filled-in content.

3. Please fill in block letters. Please use the "∨" symbol in the □ column to indicate options.

4. The required information should be organized into a book in order (the order of basic information and the order of information required for different types of loans), and please do not bind it.

5. All information provided must be collected in accordance with A4 paper specifications.

Requirements to apply for housing provident fund:

1. Have a permanent residence in this city or a valid residence status in this city;

2. When applying for a loan, Pay the housing provident fund for more than one year (inclusive);

3. For first-time buyers, the down payment for commercial houses shall not be less than 30% of the total purchase price, and the down payment for second-hand houses shall not be less than 40% of the total purchase price; land If the property is state-owned, the down payment shall not be less than RMB 40 of the total purchase price; for a second home, the down payment shall be RMB 60 and the interest rate will increase by RMB 10; to purchase an affordable house, the down payment shall be RMB 20;

4. Have stable economic income, good personal credit, and the ability to repay the principal and interest of the loan on time;

5. Agree to use the full value of the property purchased, constructed, renovated, or overhauled with the loan as collateral; purchase For commercial housing, the real estate development company must provide phased guarantees for home buyers;

6. If you apply for a housing provident fund loan again, you must pay off the last housing provident fund loan;

7. Other conditions specified by the Provident Fund Center.

Documents required to apply for housing provident fund:

1. "Housing Provident Fund Personal Loan Application Form" in duplicate;

2. Original identity certificate of the borrower and three copies;

3. The original and three copies of the borrower’s spouse’s identity certificate (married);

4. The original and two copies of the borrower’s household registration certificate ;

5. The original and two copies of the borrower’s spouse’s household registration certificate (married);

6. The original and three copies of the borrower’s marital status certificate issued by the civil affairs department

7. Original real estate transfer contract or original and two copies of commercial housing pre-sale contract (within three years from the date of issuance);

8. House of the purchased house Original and three copies of the ownership certificate and land certificate (within one year from the date of issuance);

9. Original and two copies of the prepaid house purchase note;

10. The original and two copies of the deed tax payment certificate (within one year from the date of issuance);

11. The seller’s collection account and the borrower’s repayment account.

Application for housing Steps for provident fund loans:

1. Preliminary review: The Housing Fund Management Center will conduct a preliminary review of the materials submitted by the applicant, including the applicant's qualifications, loan amount, and loan period. After passing the preliminary review, the center will issue a " "Collateral Review and Assessment Notice";

2. Evaluation: The applicant takes the "Collateral Review and Assessment Notice" to the appraisal agency designated by the center to evaluate the value of the house purchased. Affordable housing does not require evaluation;

3. Review: The applicant brings the "Evaluation Report" issued by the evaluation agency and the preliminary review materials required by the center to the center for loan review. If qualified, the center will issue the "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice";

4. Go through the guarantee procedures: The applicant holds the "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice" and follow their own choice. Go through the guarantee procedures using the guarantee method.

If you choose the mortgage + guarantee method, the guarantor should issue a written guarantee letter; if you choose the mortgage + insurance or third-party guarantee method, you should go to an insurance company to apply for insurance or go to a guarantee agency to go through the entrustment guarantee procedures;

5. Sign a loan contract;

6. The Housing Fund Management Center signs an entrusted loan agreement with the trustee bank;

7. The borrower directly submits a loan application to the Housing Fund Management Center, and the trustee industry As needed, we can collect the borrower's application information on our behalf and submit it to the Housing Fund Management Center for review and approval;

8. After the Housing Fund Management Center approves the amount, term, and interest rate of each loan, it will work with the trustee bank Sign an entrusted loan contract;

9. The entrusted bank shall sign the "Housing Provident Fund Entrusted Loan Mortgage Contract", "Housing Provident Fund Entrusted Loan Pledge Contract" and "Housing Provident Fund Entrusted Loan Pledge Contract" with the borrower in accordance with the entrusted loan contract. After confirming the Guarantee Contract, go through the loan procedures.