Housing provident fund handling conditions:

Individuals and their units must pay the housing provident fund for one year;

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase; Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

Housing accumulation fund handling process:

The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the approval, the loan bank contacts the lender and signs the relevant contract;

When the bank lends money, the lender performs the repayment responsibility.