Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Conditions to be met in applying for provident fund loans:

1. A natural person with full capacity for civil conduct;

2. Have a permanent residence in the town or a blue-printed residence in this city;

3. Within 6 months before applying for a loan, the housing accumulation fund in this city is normally paid continuously;

4. At least 30% down payment;

5. Have a stable economic income and the ability to repay loans;

6. There is no outstanding debt with a large amount that may affect the loan repayment ability.

Information required for applying for provident fund loan:

1. Proof of deposit of housing provident fund of the applicant and spouse;

2. The identity certificate of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4. Valid documents such as purchase contract and agreement;

5. Collateral, pledge list, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract;

7. Other information required by the Provident Fund Center.

Process of applying for provident fund loan:

1. The applicant brings information to the management center for consultation, application and filling in the application form;

2. After approval, the Center will issue a power of attorney to the applicant;

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant holds the signed contract information until the seller seals it;

5. The applicant holds a guaranteed loan contract (mortgage contract) and goes to Suqian Real Estate Management Office (the real estate transaction hall of the West Skirt Building of Jianshe Building) for mortgage registration;

6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.