2. Materials required for housing provident fund loan: 1. Household registration books of the borrower and his spouse; 2. Resident identity cards of borrowers and their spouses; 3. Proof of the marital status of the borrower; 4. Proof of down payment for house purchase; 5. The credit status report of the borrower and his spouse printed by the bank; 6. Housing sales contracts or agreements that meet the legal requirements.

3. Conditions for handling housing accumulation fund: 1. Individuals and units must continue to pay housing provident fund for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

4. Handling process of housing accumulation fund: (1). The lender prepares relevant materials, fills in the loan application in the bank and submits the materials; (2) The loan bank shall confirm and review the information after receiving the application; (3) After the approval, the lending bank contacts the lender and signs relevant contracts; (4) When the bank lends money, the lender performs the repayment responsibility.