Luoyang can apply for provident fund loan through the applicant submitting application materials to the central network, and must meet the conditions that the applicant and his spouse have stable economic income, the ability to repay the principal and interest of the loan on time, good personal credit and full capacity for civil conduct. On the question of "how to apply for provident fund loans in Luoyang", the following is a detailed answer from Bianxiao. com. 1. How to apply for Luoyang provident fund loan 1? The applicant shall submit the application materials at the central outlets. 2. Acceptance and preliminary examination of application materials. After examination, if the application materials are complete and conform to the statutory form, it is decided to accept it. If there are errors in the application materials that can be corrected on the spot, the person who has the right to correct them on the spot shall be allowed to correct them, and the corrector shall sign or seal the correction place and indicate the date of correction; If it is confirmed that the application materials are complete and conform to the statutory form, it shall be decided to accept it. 3, review/audit whether the submitted materials are complete and conform to the statutory form; Need to verify the materials, verify the relevant materials. 4, examination and approval, according to the audit situation, make a decision to complete or not. 5, after delivery, inform the individual housing provident fund loan application is successful, and issue a notice of business completion. Ii. Loan Conditions of Luoyang Provident Fund (1) Applicants must pay the housing provident fund in full and continuously for at least 6 months. (2) The applicant and his spouse have a stable economic income and the ability to repay the principal and interest of the loan on schedule, have good personal credit and have full capacity for civil conduct. (3) The applicant and his spouse purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing; Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans. (four) the purchase of self-occupied housing, there is a prescribed proportion of the down payment. (five) the applicant and his spouse have no outstanding housing provident fund loans; And meets the requirement of repeated use. (six) agreed to guarantee in accordance with the way of guarantee approved by the housing provident fund management institution. (seven) in line with the provisions of the municipal housing provident fund management institutions housing provident fund loan policy. Three. Legal basis of Luoyang provident fund loan 1. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. 2. Measures for the Administration of Housing Provident Fund Personal Housing Loan in Henan Province (Trial) (No.31No.5 of Yuguan [20/KLOC-0]) Article 8 Employees with full civil capacity can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses. The above is the answer to "How to handle provident fund loans in Luoyang". If you don't consider buying a house in the near future and simply want to use the provident fund to supplement your family, you can withdraw the provident fund. If you plan to buy a house in the near future, it is recommended not to withdraw the provident fund for the time being, and then withdraw it after the purchase or loan is completed. If you have any questions or legal problems, please visit the website for consultation.