No need to affix a certificate.

Materials required for housing provident fund loans:

1.

Household registration books of the borrower and his spouse;

2.

Resident identity cards of the borrower and his spouse;

3.

Proof of the marital status of the borrower;

4.

Proof of down payment for house purchase;

5.

Credit status report of the borrower and his spouse printed by the bank;

6.

Housing sales contracts or agreements that comply with the law.

Housing provident fund handling conditions:

1.

Individuals and their units must continue to pay housing provident fund 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.

Where 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 the 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 loan bank contacts the lender and signs the relevant contract;

4.

For bank loans, the lender shall fulfill the repayment obligation.

Does the provident fund housing loan require proof of income?

You need to go to the unit where you work to issue proof of payment and income of the provident fund, fill out the application form and issue a household registration certificate to the police station. Materials required for housing provident fund loan: 1. Household registration books 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.

legal ground

Regulations on the administration of housing provident fund

Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the national legal retirement age at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.

Do you need a down payment receipt for provident fund loans?

Provident fund loans and down payment delivery vouchers must be presented and attached to the audit documents. After the audit, the voucher will be returned to you.

You can't just have a receipt from the developer. During the audit, you will be asked to change the invoice. Must be a formal pre-sale housing invoice issued by the developer! Indicate the amount of the down payment.

You can return all the receipts to the developer and ask the developer to issue a formal pre-sale invoice!

Extended data:

Housing provident fund loan

(1) loan terms

The borrower shall meet the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9. Meet other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

(1) Borrowers who purchase policy-oriented housing approved by government departments should, in principle, set up a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, which is in the state of payment when applying for a loan.

(2) Borrowers who purchase non-policy housing should, in principle, pay the housing accumulation fund 12 months in full before applying for a loan, and be in the paid state when applying for a loan.

(3) The loan applicant is a retired employee who paid the housing provident fund during his employment.

(2) Loan materials

1, materials required for mortgage of commercial housing provident fund:

(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit;

(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;

(6) Effective guarantee certificate;

(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

Do you need proof of income for provident fund loans?

You need to go to the unit where you work to issue proof of payment and income of the provident fund, fill out the application form and issue a household registration certificate to the police station.

When applying for a loan, the borrower shall provide the following information according to different situations:

1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;

2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;

3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;

4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;

5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;

6. Collateral appraisal report issued by real estate appraisal agency;

7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;

8. Guarantee certificate issued by the real estate home purchase guarantee company;

9. Other materials required by the Provident Fund Center.

Extended data:

The intended use of the loan

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.

Loan procedure

① Policy consultation

Workers who have paid the housing provident fund can consult Shanghai Housing Property Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) to learn about the object, conditions and procedures of the secured loan, as well as the amount, term and interest rate of the main loan.

At the same time, I can check the payment of my housing provident fund with my ID card and personal provident fund account number to determine whether it meets the loan guarantee conditions and the maximum and minimum loan guarantee period.

When the borrower applies for a loan, the guarantee company will provide the Application for Personal Housing Provident Fund Guaranteed Loan for the borrower to fill in.

② Application acceptance

If the loan applicant provides relevant information, and the guarantee company meets the conditions of the secured loan in the first instance, the loan applicant will pay the fee according to the list of fees by the guarantee company's "Personal Housing Provident Fund Housing Guarantee Loan Acceptance Form" and sign the "Personal Housing Provident Fund Housing Guarantee Loan Contract".

③ Seal of real estate company

The borrower requires the real estate company to seal the loan contract for individual housing provident fund purchase guarantee, and the real estate company provides phased guarantee.

④ Implement the repayment method.

The borrower holds his ID card to the loan bank to handle the repayment account. If he has a credit card, he will go to the bank to confirm the credit card repayment and sign an entrusted repayment agreement.

⑤ Apply for mortgage registration.

The loan applicant holds relevant materials to go through the mortgage registration formalities at the county real estate trading center where the house is purchased.

⑥ Inform the bank to lend money.

The loan applicant shall submit relevant materials to the guarantee company with the certificate of completing the mortgage registration procedures and the "Personal Housing Provident Fund Purchase Guarantee Loan Contract" promised by both parties. After the guarantee company is approved, it will issue a loan notice to the lending bank to inform it to lend money.

⑦ Receiving personal data

After all the formalities are completed, the guarantee company informs the borrower to receive the personal custody information.