In this case, the loan conditions are different in every place. As long as the general provident fund meets certain conditions, it can be loaned in different places.

Housing provident fund loans in different places have been fully implemented, and the loan process has been simplified accordingly.

Having legal and valid identity documents;

The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

Have a stable income and the ability to repay loans;

It has a legal and valid purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate management department;

For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

Construction, renovation and overhaul of housing, you can pay 30% of the total cost of construction, renovation and overhaul of housing upfront costs;

The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

Housing overhaul, with the approval of the planning and management department of the document;

Can provide effective guarantee approved by the management center;

Other conditions stipulated by relevant laws, regulations and policies.

Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

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

Housing sales contracts or agreements that comply with the law.