Provident fund loans are very cost-effective, but you need to pay housing provident fund in order to apply for housing provident fund loans, and the time for paying housing provident fund loans is limited. What is the guide for Chuxiong to apply for housing provident fund loans? The following small series will introduce you. 1. The address where Chuxiong applied for provident fund loan isNo. Hedong Street1kloc-0/6, Liangshan Prefecture, Sichuan Province, andNo. Hedong Avenue 165438, Xichang City, Sichuan Province. 2. Processing time for Chuxiong to apply for provident fund loan: Monday to Friday: 08: 30 am-12: 00 pm: 14:30- 17:30 Note: except for legal holidays; 3. Conditions for Chuxiong to apply for provident fund loans. Anyone who has paid the provident fund in full for 6 months or more has no housing loan debt; The depositor with full civil industrial capacity will purchase, build, renovate or overhaul the owner-occupied housing within two years. The credit report of both husband and wife of the loan applicant cannot be overdue for three consecutive periods or accumulated for six periods. It can't be the third or more houses owned by the family. 4. Materials for Chuxiong's application for provident fund loan 1, commercial house: down payment invoice or receipt; Second-hand house: buyer's payment voucher, tax-paid invoice 2, ward round report of the place where the house is purchased and the place where the household registration is located (including minor children) 3, husband and wife's ID card and household registration book, certificate of housing provident fund deposit (off-site) 4, interview record of housing provident fund 5, personal credit report provided by the bank (husband and wife) 6, commercial house: purchase contract and filing form; Second-hand house: mortgage certificate agreed by the mortgagee, property certificate of the house purchased, sales agreement 7. Income certificate issued by the spouse who has not paid the provident fund (bank salary card or payroll of the unit with financial official seal) 8. Marriage certificate (marriage certificate, divorce certificate or single declaration issued by unmarried people, etc.) 5. Chuxiong's application for provident fund loan processing flow 1. Application: the applicant submits the application materials in the comprehensive window of the government service center; 2. Acceptance: The window staff decides whether to accept the application materials on the spot or within the specified working days. If the materials are incomplete or do not conform to the statutory form, the handling organ shall inform the applicant of all the contents that need to be supplemented at one time within the prescribed working days, and issue a notice of rejection for those that do not belong to the scope of acceptance; 3. Review: the handling personnel review the materials submitted by the applicant and put forward preliminary review opinions; 4. Decision: The person in charge of the agency shall sign the examination and approval results according to the examination opinions. If the application is approved, the handling organ shall issue the handling result to the applicant; If it is not approved, the handling organ shall notify the applicant in writing and explain the reasons, and inform the applicant that if he has any objection to the processing result, he may apply for administrative reconsideration or bring an administrative lawsuit according to law; 5. Voucher preparation: Voucher preparation department completes voucher preparation; 6. Issuance and delivery: The applicant shall collect the processing results at the application window with personal identification (valid ID card, temporary residence permit, household registration book, etc.). ) and the admission notice. At present, the value of real estate is great, and the price of real estate is relatively expensive. In many big cities, it is not enough to use housing provident fund only, so it is necessary to apply for portfolio loans. I hope the above content can help you. If you have other legal problems, you can consult online.