The housing provident fund loans for husband and wife to purchase houses are as follows:

First, purchase the real estate housing that has signed the project reserve with the local provident fund management institution, pay the advance payment for the house purchase, and initialled the house purchase contract.

Two, issued a "housing information inquiry letter" to the local housing management department, and issued a "personal credit report" to the local people.

Third, in the real estate sales center and provident fund management center, entrust the loan bank or directly go to the provident fund window of the local government affairs center to receive the application form for personal provident fund loans, truthfully fill in the purchased housing information, personal information, loan application information (the amount and duration of the loan are calculated according to the personal family income and repayment ability) and guarantee information, paste the ID card, copy of the marriage certificate, attach the income certificate of both husband and wife, and affix the unit seal to the real estate sales.

4. After the preliminary examination, examination and approval of the provident fund management center (you don't have to worry about this, just be patient, etc.) is completed, the credit information transmitted will be transferred to the entrusted loan bank, and the bank will inform the manager of the real estate sales center and the couple of buyers to bring their ID cards to the bank to sign the Housing Provident Fund Entrusted Loan Contract and the Housing Mortgage Loan Contract, and open a loan repayment passbook.

5. After signing the housing provident fund entrusted loan contract and the housing mortgage loan contract, the contract will tell you the monthly payment amount and repayment date.