Available, provident fund loan: materials required for housing provident fund loan: 1. Household registration books of the borrower and his spouse; 2. Resident identity cards of borrowers and their spouses; 3. Proof of the marital status of the borrower; 4. Proof of down payment for house purchase; 5. The credit status report of the borrower and his spouse printed by the bank; 6. Housing sales contracts or agreements that meet the legal requirements. Conditions for handling housing accumulation fund: 1. Individuals and their units must pay the housing provident fund continuously for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Handling process of housing accumulation fund: 1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials; 2 loan banks should confirm and review the information after receiving the application; 3. After approval, the lending bank contacts the lender and signs relevant contracts; 4. When the bank lends money, the lender shall perform the repayment responsibility. "Regulations on the Management of Housing Provident Fund" Article 26 When employees who pay housing provident fund purchase, build, renovate or overhaul their own houses, they can apply for housing provident fund loans from the housing provident fund management center. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.