Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral and pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments.

Extended data:

Loan terms:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

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