Lenders applying for housing provident fund loans need to fill in the housing provident fund loan application form.

Proof of deposit of housing provident fund of the applicant and spouse;

Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status.

Proof of stable family income and proof of creditor's rights and debts;

Valid documents such as purchase contract and agreement;

List of collateral and pledge used for guarantee, certificate of ownership and evaluation certificate of collateral agreed by the authorized disposition;

The provident fund center requires a third-party guarantor as a guarantee and pays the guarantee fee, which is jointly guaranteed by the borrower, the lender and the third party.

Other information required by the provident fund center.

Second, resign after the provident fund loan. Can I still get a loan?

Resign, as long as you don't have a new owner, or you have a new owner, you don't continue to pay the provident fund, or you don't go through the transfer formalities before the provident fund.

Your previous company will give your provident fund account and information to the provident fund management center for safekeeping! You can't go through the withdrawal or loan procedures of the provident fund account in the sealed state.

3. After applying for provident fund loan, I left my job. Can I get a loan?

You can't use the provident fund loan when you stop paying the provident fund after leaving your job, but you can apply for withdrawal.

Requirements for applying for provident fund loans:

1. I have participated in the housing provident fund system for more than one year, and I have paid the housing provident fund in full and continuously, and I still pay it normally when I apply for a loan;

2. Purchase self-occupied housing in this city, and provide the purchase contract and relevant certificates and documents;

3. Self-raised funds equivalent to more than 30% of the total purchase price (excluding supporting fees) (40% of second-hand houses);

4, a stable occupation, economic income, good credit status, the ability to repay the loan principal and interest in accordance with the provisions;

5. Agree to handle housing mortgage loans and home insurance;

6, the borrower to buy faster, in the house before the completion of the property certificate, provided by the development unit guarantee;

The following three situations can be extracted from the housing provident fund:

1. If you buy a house, you can withdraw the provident fund and provide a house purchase contract or a loan contract.

2. You can also withdraw provident fund for house decoration and provide decoration invoices.

3. You can also withdraw the provident fund when renting a house, and provide the rental contract and invoice.

After leaving the company, you can issue a resignation certificate to the original company. Then go to the housing provident fund management center to go through the withdrawal procedures.

Required information:

1. Original and photocopy of household registration certificate;

2. Original and photocopy of the certificate of termination of labor relations;

3. Extract the original and photocopy of the employee ID card;

4. Withdraw the employee's own bank savings account.

4. What should I do if I resign after using the provident fund loan?

Resignation after buying a house with a provident fund loan does not affect the provident fund loan.

Provident fund loans have been handled, and job changes will not affect the provident fund loans. Just deposit the monthly payment into the repayment account of the loan on time every month. Housing provident fund has individual accounts, and all expenses paid by enterprises and individuals form the total amount of individual accounts. After resigning, the payment is only stopped, but individuals who belong to the household registration can withdraw freely at any time as long as they meet the requirements for withdrawal of provident fund.

According to Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit hires employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and handle the establishment or transfer of employee housing provident fund accounts at the entrusted bank with the audit documents of the housing provident fund management center.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.

Extended data:

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.