Provident fund loan conditions:

Having legal and valid identity documents;

Age requirement 18 to 65 years old;

The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

Have a stable income and the ability to repay loans;

It has a legal and valid purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate management department;

For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

Construction, renovation and overhaul of housing, you can pay 30% of the total cost of construction, renovation and overhaul of housing upfront costs;

The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

Housing overhaul, with the approval of the planning and management department of the document;

Can provide effective guarantee approved by the management center;

Other conditions stipulated by relevant laws, regulations and policies.

Provident fund loan process:

The borrower applies for a loan at the acceptance outlet;

Accepting outlets to inquire about the property status under the family name;

Accept the acceptance of outlets;

Sign a contract;

Examination and approval;

The real estate trading center handles mortgage registration procedures;

Bank loan.

The information required to apply for housing provident fund loans is as follows:

3 originals and photocopies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department;

"Approval Form for Housing Provident Fund Loan Application" in triplicate (to be filled in at the local housing provident fund management center);

Legal and valid original purchase contract in triplicate. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;

Involving mortgage or pledge guarantee, it shall provide the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three originals of the written certificate of the disposition owner's consent to mortgage (pledge);

Where the guarantee is involved, the guarantor shall issue three originals of the written commitment to provide the guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee;

Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price.