1, provident fund loans are as follows:

(1) Submit a written loan application to the bank;

(2) Submit ID card, application form for withdrawal of housing provident fund, house ownership certificate and tax payment certificate, sign loan contract, guarantee contract and entrusted deduction agreement, then open an account, and use the provident fund loan with the consent of the loan bank.

2. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

2. What are the conditions for applying for housing provident fund loans?

1, the establishment time of the provident fund account exceeds 12 months, and the provident fund is normally paid in full for a certain period of time. Some regions require 6 months, and some regions require 12 months, which will vary from place to place;

2. The applicant 18 years old or above, and the male is under 65 years old and the female is under 60 years old;

3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant provides a guarantee that meets the requirements of the bank;

6. Other conditions that meet the requirements of the local provident fund center.