Available, provident fund loan: materials required for housing provident fund loan: 1. Household register of the borrower and his spouse; 2. Resident identity cards of borrowers and their spouses; 3. Proof of the marital status of the borrower; 4. Proof of down payment for house purchase; 5. The credit status report of the borrower and his spouse printed by the bank; 6. Housing sales contracts or agreements that meet the legal requirements. Conditions for handling housing accumulation fund: 1. Individuals and their units must continue to pay housing provident fund for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Handling process of housing accumulation fund: 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 26

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.

Regulations on the administration of housing provident fund

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.