If you have a housing provident fund, you can apply for a provident fund loan with low interest rates. And the funds in the provident fund account can be used to repay the loan.

The basic annual interest rate of Agricultural Bank of China’s personal housing provident fund loans is as follows:

5 years and below: 2.75%

5 years and above: 3.25%.

The application materials for personal housing provident fund loans are as follows:

1. Identity document (referring to resident ID card, household register and other valid residence documents);

2. Legal housing purchase (construction, repair) contracts, agreements and other approval documents;

3. If you build your own house, you should issue planning, construction, planning, land and other approval documents from the department;

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4. For renovation of self-owned housing, approval documents from relevant departments such as planning, construction, planning, and land should be issued;

5. Proof of down payment that meets the requirements of the Provident Fund Center;

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6. Proof that the borrower’s family has a stable economic income;

7. Information about the collateral or guarantor recognized by the Housing Provident Fund Management Center;

8. Housing Other conditions specified by the Provident Fund Management Center.

Regulations may differ in each region, please contact the local provident fund management center for details