If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.

I. 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.

The second is the conditions for handling housing provident fund;

1.？ Individuals and their units must continue to pay housing provident fund for one year;

2.？ The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3.？ Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

1.？ The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

2.？ After receiving the application, the loan bank shall confirm and review the information;

3.？ After the audit, the loan bank contacts the lender and signs the relevant contract;

4.？ For bank loans, the lender shall fulfill the repayment obligation.