1. The original and photocopy of the borrower's and spouse's ID cards, as well as a copy of the back of the second-generation ID card, with the front and back sides on the same A4 paper;

2. The original and photocopy of the borrower's marriage certificate;

3. The original and photocopy of the borrower's household registration book (home page and personal page), and the original and photocopy of the temporary residence permit are required for foreign accounts;

4. The original and photocopy of the seller's ID card, household registration book and marriage certificate;

5. Original and photocopy of the property right certificate;

6. Original house purchase and sale agreement;

5. Original housing appraisal report;

6, provident fund savings card and a copy;

7. Original and photocopy of receipt and payment voucher;

8. Proof of the borrower's fixed income;

9, provident fund management core and other information stipulated by the bank.

Second, how to handle portfolio loans.

1. application

The borrower applies for housing provident fund loan to the real estate credit department of the undertaking bank with the purchase contract, ID card, housing provident fund savings magnetic card and other materials, and fills in the Application Form for Individual Housing Provident Fund Loan (Combined Loan).

2. Bank audit

According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. If the borrower's information is true and meets the requirements, proceed to the next step; If it does not meet or lacks information, the borrower needs to make up the application.

Step 3 sign a contract

After the bank undertaking the loan examines the borrower's application, the borrower signs a loan contract and a mortgage contract (pledge contract) with the bank.

Step 4 get a guarantee

There are two ways to guarantee housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.

Step 5 apply for a mortgage loan

After the borrower completes the mortgage or pledge formalities in the house property right department, it shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities.

Step 6 sign an agreement

If repayment is made by withholding savings card, the borrower shall apply for withholding repayment savings card at the savings outlets of the undertaking bank and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.

Step 7 lend a loan

After completing the above steps, the borrower needs to bring all relevant information to the bank for collection procedures, and the undertaking bank will transfer the loan to its designated bank account.