Generally, residential housing can apply for provident fund loans, but commercial housing cannot.

The application conditions for provident fund loans in various provident fund centers are different, the main ones are:

1. Have full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the principal and interest of the loan;

3. Pay the housing provident fund in full and on time;

4. The down payment ratio meets the requirements;

5. The local provident fund management center Other conditions specified.

Agricultural Bank of China’s personal housing provident fund loan application materials are as follows:

1. Identity document (referring to resident ID card, household register and other valid residence documents);

2 , Legal housing purchase (construction, repair) contracts, agreements and other approval documents;

3. If you build your own house, you should issue planning, construction, planning, land and other approval documents from the department;

4. For renovation of self-owned housing, approval documents from relevant departments such as planning, construction, planning, and land should be issued;

5. Proof of down payment that meets the requirements of the Provident Fund Center;

6. Proof that the borrower’s family has a stable economic income;

7. Information about the collateral or guarantor recognized by the Housing Provident Fund Management Center;

8. Other conditions specified by the Housing Provident Fund Management Center.

Regulations may differ in each region, please contact the local provident fund management center for details