The specific operation process and application conditions for housing provident fund loans to buy a house:

Process of housing provident fund loans to buy a house

1. Urban employees and their units must continuously pay housing provident funds More than half a year;

2. The borrower purchases a self-occupied commercial house approved by the lender;

3. Has a permanent urban residence or valid residence status; has a stable occupation and income and the ability to repay the principal and interest of the loan; have a housing purchase contract or relevant supporting documents;

4. The borrower agrees to mortgage the property listed under the "Housing Sales Contract" signed with the developer to The lender gives the lender priority mortgage rights and repayment rights as a guarantee for repayment of principal and interest;

5. The borrower has the ability to pay no less than 30% of the funds required to purchase the house;

6. Other conditions specified by the lender.

Information required to be submitted:

Personal information:

Proof of identity of the individual applying for the loan (hereinafter referred to as the borrower) and relevant proof of identity of the spouse (ID card or 4 copies of each of the other valid documents;

A copy of the borrower’s marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed must provide the other party’s death certificate) 4 copies each;

4 copies of the valid voucher for payment of the house purchase price;

4 copies each of the income certificates of the borrower and the spouse;

Legal house purchase 4 original copies of the contract;