Hello, materials required for housing provident fund loan:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

Please refer to the above answers provided by Ronglian Ye Wei.

How long does it take to buy a house with a housing provident fund loan?

Legal analysis: 1. If the unit pays the housing provident fund, it needs to pay it in full for six months before it can use the housing provident fund loan to buy a house.

2. Individuals who pay the housing provident fund can only use the housing provident fund loan to buy a house after one year of full payment. Therefore, if the unit meets the conditions for paying the housing provident fund, it can be used for half a year. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

3. Employees who have paid the housing provident fund in full for more than six months (inclusive) can apply for individual housing loans from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than six months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Excuse me, how can I borrow money from the housing provident fund to buy a house? Housing provident fund loan buying process?

(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.

(II) The Municipal Housing Provident Fund Management Center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount and loan term, and after signing the contract, the borrower and the center will sign relevant contracts or agreements, and handle insurance according to the provisions of the People's Bank of China.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.

What is a house purchase fund?

Housing fund, also known as housing accumulation fund, refers to the special funds jointly raised by the state finance and units for housing system reform and housing construction according to national policies, regulations and financial system.

Housing accumulation fund is the accumulation fund extracted by enterprises according to the prescribed sources, which has a specific purpose and is specially used for employee housing. Housing accumulation fund is a fund that the state requires enterprises to establish in order to ensure and promote the smooth progress of housing system reform, realize housing commercialization and speed up housing construction.

The repayment period of housing provident fund is generally more than one year, and it becomes the long-term debt of the enterprise before settlement. The main sources of enterprise housing liquidity are: housing depreciation, public housing provident fund, borrowed housing provident fund and housing liquidity.

Extended data:

There are three misunderstandings in using housing provident fund to buy a house:

Misunderstanding 1

If citizens want to buy a house through the housing provident fund loan, they need to spend first and then withdraw, that is, pay the down payment first, and then bring their ID card, household registration book, marriage certificate and other supporting materials to the local housing provident fund management center to withdraw the storage balance in their own provident fund.

Misunderstanding 2

The total amount of provident fund withdrawal cannot exceed the total amount of house purchase. For example, a citizen can only withdraw 300,000 yuan from the provident fund, and the remaining 6,543,800 yuan cannot be withdrawn.

Misunderstanding 3

Bank financial experts explained that whether before or after marriage, one of the husband and wife applied for provident fund loans, and there will be corresponding records in the provident fund center system. Before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second suite. However, the first home provident fund loan has been settled, and if the husband and wife use the provident fund loan to buy a house again, it is still regarded as the first home and is not restricted by the second home policy.