You can apply as long as you have a provident fund. In Shanghai, you must contact and pay the provident fund for more than 6 months. If there is a break in the middle, you should return it and reconsider it.

Does the second-hand housing provident fund loan need information?

(1) Original and photocopy of ID card and household registration book of loan applicant, spouse, * * borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals;

(2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate;

(3) A down payment receipt voucher of not less than 20% of the house price;

(4) The portfolio loan shall provide the borrower and the borrower's income certificate;

⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function;

6. Original contract for the sale of second-hand houses;

⑦ Original and photocopy of Shangjia ID card and real estate license;

Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency;

Pet-name ruby If the loan is extended to home, provide a copy of the loan passbook.