1. To apply for provident fund loans, you must have a China household registration and a valid resident ID card;

2. The housing provident fund has been fully paid for more than one year when applying for the provident fund loan (different cities have different requirements, please consult the local provident fund management center for details);

3. To apply for provident fund loans, you must have a purchase contract or agreement confirmed by the real estate registration department where the house is located, and you can go through mortgage or guarantee procedures;

4. The purchased house has paid the down payment according to the regulations;

5. To apply for provident fund loans, you must have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;

6, housing provident fund deposit priority for repayment of personal housing provident fund loans.

Provident fund loan application process

1. Submission materials: If the borrower applies for provident fund loan from the management department of the provident fund management center that has paid the provident fund, and chooses a guarantee center to provide guarantee, it shall submit all the materials required for the individual to apply for loan, including personal and spouse ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

2. Notice of examination: After the provident fund loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit all personal loan information to the guarantee center.

3. Approval: the guarantee center will review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center will issue a letter of approval for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee.

4. Payment: The borrower of the provident fund loan also needs to pay the guarantee service fee according to the approval opinion of the guarantee application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5. Transfer of materials: the audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.

6. Signing: The Housing Provident Fund Management Department supervises and guides loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.