2. Marriage certificate or household registration book does not need to provide the owner's own provident fund, but the original and copy of the owner's spouse's provident fund 1 copy.
3. Individual housing loan contract, the original and a copy are required for the first loan repayment, and only the original is usually required since the second loan repayment.
4. The original and photocopy of the purchase contract, invoice or real estate license corresponding to the loan shall be provided for the first loan repayment, and only the original shall be provided for the second loan repayment.
Monthly repayment deduction process of provident fund commercial loans
1. Employees who apply for monthly repayment of loans should bring their ID cards to the information desk (or management department) or unit of the provident fund center to receive the entrustment agreement and application approval form for monthly repayment of housing provident fund (hereinafter referred to as the "application form").
2. The unit verifies that employees hold the application form to the unit for preliminary examination. The unit verifies whether the applicant is the employee himself, whether the balance of the housing provident fund is correct, whether it meets the extraction conditions, and truthfully fill it in. Then affix the reserved seal of the unit in the bank on the application form, and the employee himself will go through the monthly repayment procedures.
3. The employees approved by the Central Office shall go through the contract modification procedures and approval at the central business department (or management department) where the collecting bank is located with the application form, ID card and marriage certificate. The laborer holds the Application Form and the materials needed for repayment, and after being stamped by the bank inspection unit, he goes through the repayment procedures.
4. After the approval of the banking center business department (or management department), the collecting bank will directly transfer it from the applicant's housing provident fund account to the borrower's loan account every month from the second month until the balance in the applicant's provident fund account is insufficient to repay the amount due in the current month.