Provident fund loans are convenient for many people to buy houses now, but the relevant process of handling provident fund loans is more complicated. Housing mortgage loans issued by depositors of housing provident fund and retired employees who paid housing provident fund during their employment can also be used when purchasing resettlement houses. So what materials do you need to use provident fund loans? What is the process of provident fund loans? Provident fund loans are convenient for many people to buy houses now, but the relevant process of handling provident fund loans is more complicated. Housing mortgage loans issued by depositors of housing provident fund and retired employees who paid housing provident fund during their employment can also be used when purchasing resettlement houses. So what materials do you need to use provident fund loans? What is the process of provident fund loans?

What materials do you need to buy a resettlement housing provident fund loan?

1. Employee personal housing provident fund loan application form, ID cards, household registration books and marriage-related status certificates of both husband and wife of the borrower (originals and photocopies are required), relevant income certificates issued by the unit and provident fund payment certificates.

2. When purchasing a house, the borrower shall provide the purchase contract or agreement, the down payment receipt and other supporting materials required by the loan bank. The borrower shall receive and fill in the relevant materials and relevant forms of housing provident fund personal housing entrusted loan with the relevant valid purchase contract or building approval procedures, and provide the following relevant written materials:

Necessary materials:

1, proof of economic income of both husband and wife or property owner (1 in duplicate)

2. Copy of the ID card of the borrower, spouse or property owner (1 in quadruplicate, printed on both sides).

3. Copy of the household registration book of the borrower, spouse or property owner (1 copy).

4. Proof of marital status (marriage certificate provided by the married person; Divorce certificate, voluntary divorce agreement/civil mediation/court verdict provided by the divorcee; Unmarried persons shall provide the personal marital status certificate issued by the Civil Affairs Bureau in triplicate (each copy 1).

5. Property status certificate (1 copy, issued by the Archives Department of the Municipal Real Estate Bureau)

6. The borrower shall provide a copy of the joint housing provident fund card or a copy of the current passbook/bank card opened in the designated bank (2 copies).

7. Recent 1 inch bareheaded color photos of the borrower (1 piece).

8. Personal credit report (borrower, spouse or real estate * * * each 1 copy, and someone personally goes to the housing provident fund management with ID card).

What is the provident fund loan process for purchasing resettlement houses?

1. Both parties to the transaction sign a sales contract and submit loan application materials to the management;

2. Manage the examination and approval of employee loan applications, and if approved, issue a notice of entrusted loan to the bank;

3. Entrust the loan bank to inform the employees to sign the loan contract, and both parties to the transaction shall handle the house transfer procedures;

4. The bank and the borrower shall go through the mortgage registration procedures for existing homes;

5. Entrust the loan bank to release the loan to the seller's account.

The above is the introduction of the materials and processes needed to purchase housing provident fund loans for resettlement houses. When applying for housing provident fund loans, the loan applicant should not only have relatively stable economic income and repayment ability, but also give housing provident fund loans when employees have other debts, which is very risky and violates the principle of safe operation of housing provident fund.