After the provident fund loan, you can refinance. On the basis of paying off the current housing loan, it will take 14 working days to handle it. As long as the provident fund has been remitted regularly for at least 6 months, you can apply for a provident fund loan again. If the paid house price is successfully sold again and the property right is transferred to the next home, and the spouse and minor children have no other complete housing foundation, it is still the first home loan.

Instructions for housing provident fund loans

I. Materials required for housing provident fund loans

1. The household registration book of the borrower and its spouse.

2. Resident identity cards of borrowers and their spouses.

3. Proof of the marital status of the borrower.

4. Proof of down payment for house purchase.

5. The credit status report of the borrower and his spouse printed by the bank.

6. Housing sales contracts or agreements that meet the legal requirements.

Second, the conditions for handling the housing provident fund

1. Individuals and their units must pay the housing accumulation fund continuously 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. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Third, the housing provident fund management process

1. The lender prepares 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 lending bank will contact the lender and sign relevant contracts.

4. For bank loans, the lender shall fulfill the repayment obligations.