1. The lender must have a permanent residence in the town or a valid residence status;

2. Push forward from the date of application and pay the housing provident fund in full 12 months or more;

3. There are contracts and related materials for purchasing houses, building houses and overhauling owner-occupied houses according to law;

4. There is a certain proportion of self-raised funds. The purchase of commercial housing, affordable housing, self financing is not less than 20% of the total price;

5. Have a stable economic income and the ability to repay the loan principal and interest;

6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.

The specific process of decoration with housing provident fund loan

Step 1: Apply

First, the purchase of commercial housing, affordable housing, while signing a purchase contract with the selling unit, the selling unit should receive the "Housing Provident Fund Loan Application Approval Form", fill in the form and prepare relevant materials to determine the loan amount;

Two, the construction and overhaul of self housing, with the approval documents of the land and planning management departments, apply for loans to the Changchun Housing Provident Fund Management Center;

Three, the purchase of private houses with complete property rights (second-hand houses), to the long-term housing 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) When purchasing commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center, the developer shall undertake joint and several liability guarantee for the borrower in 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 should go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities to the property right registration and certification center for housing ownership certificate;

(3) If you buy a second-hand house with a property right 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.

When applying for a loan, the borrower shall prepare the following materials:

1. Identity certificates of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );

2. Proof of stable economic income (proof of unit wage income, etc.). );

3. Proof of deposit of housing provident fund;

4. The purchase contract and agreement signed with the selling unit (the approval document of the land planning department of self-built housing);

5. I and my spouse * * * fill in the loan application approval form;

6. There must be a receipt for the house payment (down payment) of not less than 20% of the total house payment (self-financing proof of not less than 30% of the total house payment is required for the purchase of private houses, construction and overhaul of self-occupied houses);

7. List of pledge rights and ownership certificate issued by the borrower (or written commitment to provide guarantee issued by the guarantor).

legal ground

Article 3 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 5

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.