Here is Shanghai’s policy for reference.

Personal housing loan review policy

1. Application conditions:

The borrower or *** the same borrower missed payment due to job changes and other reasons , underpayment of housing provident fund and back payment of housing provident fund, resulting in failure to meet the payment requirements for six consecutive months or other abnormalities caused by other special circumstances, the borrower applicant may apply for reconsideration at the same time as applying for a provident fund loan.

2. Handling places:

1. Pure provident fund loans are accepted by the district sales departments of Shanghai Housing Real Estate Financing Guarantee Co., Ltd.;

2. Provident fund portfolio loans It will be accepted by all branches of the provident fund loan trustee bank in this city;

3. The reconsideration application branch and the loan acceptance branch should be the same branch.

3. Application requirements:

1. Application materials required for the loan.

2. Application materials for reconsideration of non-consecutive six months of payment:

(1) Original statement of the unit that made the payment, proving the reason for the missed payment and the situation of the payment, and stamped with the official seal Or the seal of the personnel department; if the applicant's unit entrusts a third party to pay the housing provident fund, it should indicate the entrustment of the provident fund payment and the name of the entrusted third party;

(2) Social security payment details issued by the social security agency The original must match the provident fund payment situation;

(3) The original and copy of the labor contract signed by the applicant and the housing provident fund payment unit and other materials that can prove the labor relationship;

(4) If the applicant transfers housing provident funds from other provinces and cities to Shanghai, causing the payment to be discontinued for 6 months, he only needs to provide the original and copy of the valid proof that the housing provident fund payment has not been interrupted before and after the transfer.

3. If reconsideration is required due to other special circumstances, other relevant materials must be provided.

4. Personnel present:

The same as those present for loan acceptance.

To summarize: the housing provident fund networks in various regions have formulaic document requirements and procedures.

Documents proving the completion of back payment of social security and provident fund (1 year);

Original labor contract documents;

House purchase contract document application materials;

I am also in the process of understanding the policy. If anyone has experience in passing the review, please share it.