Materials required for housing provident fund loan:

1. Household register of the borrower and his spouse;

2. Resident identity cards of the borrower and his spouse;

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 provident fund:

1. Individuals and their units must pay housing provident fund continuously for one year;

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

3. If the borrower purchases a commercial house, it must be at least 3% of the total house price.

Housing accumulation fund processing flow:

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

2. After receiving the application, the loan bank will confirm and review the information;

3. After the audit, the lending bank contacts the lender and signs relevant contracts;

4. when the bank lends money, the lender performs the repayment responsibility.