The prerequisite for housing provident fund loans is that urban employees and their units must pay housing provident funds continuously for one year. When urban employees apply for a personal housing provident fund loan, they should submit the following information:

Personal information: identity certificate of the individual applying for the loan (hereinafter referred to as the borrower) and relevant identity certificate of the spouse (ID card or other valid certificate 4 copies each); 4 copies each of the borrower’s marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, the widowed must provide the other party’s death certificate); and a valid certificate of payment for the house purchase. 4 copies; 4 copies of the income certificate of the borrower and the spouse; 4 original copies of the legal house purchase contract; and the seals of the borrower and the spouse. In addition, proof of deposit of the borrower’s housing provident fund must be provided. For the above materials, you must bring the originals and the corresponding number of copies.

Housing construction approval materials: commercial housing pre-(sales) license or housing reform approval; construction project planning license; construction project construction license; construction land planning license; state-owned land use certificate; construction approval floor plan and floor plans.

House buyers who meet the housing provident fund loan conditions can apply for provident fund loans at entrusted banks and handling outlets. They can also go to the nearest provident fund management center or branch center or management department to apply for a provident fund loan.

First of all, you need to ask the developer about the mortgage bank situation of the project, whether the "five certificates" for the real estate are complete, and whether they can provide themselves with relevant procedures, etc. If the developer has all the “five certificates” but does not provide them to home buyers, it is impossible to apply for provident fund loans.

Within the statutory retirement age, the maximum loan period is 30 years; the maximum loan amount does not exceed 400,000 yuan. If the loan amount is within 300,000 yuan, the borrowing employee can apply directly to the entrusted bank. , 300,000-400,000 yuan, must be approved by the Housing Provident Fund Management Center.

If you are not in the city where you want to buy a house, you can apply for provident fund, but it is more troublesome. It is more troublesome to go back and forth to go through the procedures.