1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount;

2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the housing provident fund management center;

3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..

Step 2: Review

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Step 3: Sign a loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Step 4: Guarantee

1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged;

2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center;

3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility.

Step 5: Bank loan

After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

Step 6: Repayment

The borrower shall repay the bank every month according to the monthly repayment amount agreed in the loan contract.

Extended data:

Loan guarantee letter

(a) to purchase self-occupied housing, self-owned housing with full property rights or third-party housing as collateral;

(2) Pledged government bonds, bank certificates of deposit and other securities;

(3) The guarantee is provided by a legal person, other organization or natural person recognized by the Center.

The expenses related to mortgage, pledge and guarantee shall be borne by the borrower. About repayment with housing provident fund

At the end of each year, the borrower can withdraw funds from his/her (and his/her spouse's) housing provident fund account to repay the housing provident fund loan.

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