Apply for personal housing provident fund loan from China Bank, and intend to purchase commercial housing under construction. When applying for provident fund loan, you should know whether the purchased commercial housing under construction has been filed in the provident fund center. If the property is not filed, you can't apply for provident fund loans, and you need to urge the developers to go through the filing procedures as soon as possible. (Affordable housing needs to be filed by the developer before it can be applied. First-hand existing houses and second-hand existing houses are not restricted by the housing warehouse. However, the second-hand building stock commercial housing needs an official evaluation report issued by the evaluation company. )

What our center requires for the record is the auction of property, with the purpose of preventing the auction from being completed, which not only prevents the loan risk, but also indirectly protects the risks faced by buyers.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.