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

Proof of deposit of the applicant's and spouse's housing provident fund;

(2) Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status;

(3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(six) the provident fund center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor jointly sign a tripartite contract; Management of Housing Provident Fund

Housing provident fund loans shall provide guarantees.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the examination in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center, and the borrower and the husband and wife shall sign a loan contract and related contracts or agreements with the bank.

After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located, and the mortgage contract or agreement shall be signed by both husband and wife.

The securities shall be delivered to the Management Department or the Alliance Center for safekeeping.

Legal basis: 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, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.