Personal provident fund loans can be up to 250 times of the monthly provident fund. 1. Conditions for handling housing provident fund: individuals and their units must continuously pay housing provident fund for one year; The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price. 2. Housing accumulation fund handling process: the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; After receiving the application, the loan bank shall confirm and review the information; After the audit, the loan bank contacts the lender and signs the relevant contract; For bank loans, the lender shall fulfill the repayment obligation. 3. Materials required for housing provident fund loans: the household registration book of the borrower and his spouse; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

Regulations on the administration of housing provident fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant;

Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.