1, first, the unit where you work gives you the provident fund, and then you have a provident fund account;

2. The provident fund must be deposited for more than 12 months, and the time and deposit amount must exceed 12 months.

3. There are no outstanding provident fund loans.

4. This is not the relevant procedure of small loan, you only need to prepare:

1, your provident fund account number; 2, the unit's provident fund account number; 3. Monthly deposit; 4. deposit ratio; 5. Deposit place of the provident fund. Through the above five points, you can calculate the maximum amount you can borrow.

Materials to be provided by China Bank in applying for individual housing provident fund loans:

1, loan application form;

2. Household registration book, ID card or other valid proof of residence;

3, the purchase contract or letter of intent and other related documents;

4, the unit housing fund management institutions agreed to loan letter;

5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution on the "house selling plan";

6. When mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate;

7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate;

8. The original and photocopy of the receipt that has paid more than 10% of the house price;

9. Other materials required by China Bank.