Because what you said is vague, I don't know much about many things, so I can only give you some reference.

Handling process of personal housing provident fund loan

1. The applicant brings information to the management center for consultation, application and filling in the application form;

2. After approval, the Center will issue a power of attorney to the applicant;

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant has to wait for the contract information signed by the seller;

5. The applicant holds a guaranteed loan contract (mortgage contract) and goes to Suqian Real Estate Management Office (the real estate transaction hall of the West Skirt Building of Jianshe Building) for mortgage registration;

6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.

Second, the conditions for applying for individual housing provident fund loans

1. The housing provident fund must be paid normally for more than one year, and the housing provident fund has not been withdrawn within one year before applying for a loan;

2, in the city to buy urban self-occupied housing, and there is a purchase contract according to law;

3. When employees apply for housing loans, they must have paid more than 30% of the house price in advance;

4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;

5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;

6. Other conditions stipulated by the management center.

Three, apply for personal housing provident fund loans to provide information.

1, 4 originals of the house purchase contract;

2. 3 originals and photocopies of the down payment receipt and 2 originals and photocopies of the bank payment voucher;

3. The original and photocopy of the household registration book, ID card and marriage certificate of the borrower and spouse;

4. The savings passbook opened by the applicant in the loan undertaking bank and its copy1;

5. 1 letter of guarantee (provided as required);

6, housing mortgage registration and notarization procedures;

7, housing provident fund management center need other information.

Fourth, the loan amount.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loan in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If it is rated as 3A, it can reach 800,000 * (1+30%) = 1.04 million. Secondly, the maximum amount of housing provident fund loans does not exceed 70% of the total purchase price. Formula for loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Five, several problems that should be paid attention to in the process of handling loans.

1. Please prepare all the materials required to apply for a loan as required;

2. The bank savings passbook provided by the applicant must be used for bank withholding and repayment (it must be submitted to the bank counter staff when opening the passbook);

3. To receive the notice of transfer from the service hall of housing provident fund, the applicant must bring a notarial certificate in addition to the registered loan contract and other materials.

I hope I can solve your doubts.