Legal analysis: the area requirement of provident fund loan: mainly depends on whether the construction area of the purchased house is within 90 square meters. If the area of the house to be loaned is less than 90 square meters, the down payment only needs to pay 20% of the total house price, and over 90 square meters, the down payment needs to pay 30% of the total house price. 1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

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

2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity cards and household registration books) and proof of marital status;

3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability 4) valid documents such as house purchase contracts and agreements;

5) Collateral, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral appraisal certificate issued by relevant departments;

6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract;

7) Other materials required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.