Conditions for provident fund loan to buy a house:

1. The housing provident fund must be paid on time and in full for the specified period before the month of applying for the loan;

2. Down payment for house purchase (building) ) The house payment shall not be less than the prescribed proportion;

3. Provide loan guarantees in accordance with regulations;

4. Have stable economic income and loan repayment ability, and good personal credit status;

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5. Neither the employee nor his spouse has incurred housing provident fund loans or has paid off all housing provident fund loans;

6. Other conditions approved by the provident fund management committee.

Process of provident fund loan to buy a house

1. Check the pre-sale house online

The applicant and *** are the same applicants → In the query box on the homepage, "Can apply for provident fund" Go to the "Loan Pre-sale Housing Inquiry" section → Contact the bank outlet

2. Submit the loan application

After the trustee bank outlet accepts the application, submit the loan application to the Housing Provident Fund Management Center.

3. Waiting for approval from the center

The management center receives the loan application submitted by the trustee bank. Once the materials are complete, the result will be issued within 5 working days.

4. Sign a contract with the trustee bank

Within 5 working days after the approval of the management center, the borrower signs a contract with the trustee bank.

5. Wait for the trustee bank to issue the loan

The borrower first goes through the relevant relaxation procedures with the trustee bank. After meeting the loan conditions, the loan will be issued within 5 working days.

6. Business completion

The borrower receives the information and the provident fund loan is completed.