Provident fund loans also require their own down payment, and the down payment can not be made up by withdrawing money from the provident fund. The minimum down payment ratio for purchasing the first home with provident fund loans is 30%, and the loan interest rate is the benchmark interest rate for personal housing provident fund loans; If the purchaser owns 1 house under the family name of this city and uses the provident fund loan to purchase a house again, the down payment ratio of the provident fund loan shall be no less than 70%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the individual housing provident fund loan. Suspend the issuance of personal housing provident fund loans for families to buy third and above houses. It should be noted that if the amount of provident fund loans is not enough, the rest can apply for commercial loans, so the main body of commercial loans is banks. Whether the applicants can meet the requirements of the bank mainly depends on their repayment ability. Let's take a look at how to borrow housing provident fund loans.

First, how to borrow housing provident fund loans

1. Get a provident fund loan application form, or download it yourself in official website. After completing the form, submit all relevant personal materials and certificates to the provident fund management center and apply for provident fund loans.

2. After accepting the application, the provident fund management center will investigate and verify all the materials, risks and personal credit information provided by the applicant to see if it meets the loan requirements.

3. After the approval of the provident fund management center, the entrusting bank will transfer the funds to the center according to the qualified application procedures.

4. The bank will transfer all the loan funds to the developer's account according to the contract.

Second, the written application

Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the following information:

1, the deposit certificate of the housing provident fund of the applicant and his spouse.

2, the applicant and his spouse's identity documents (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status.

3, the family has a stable income and other debts that affect the repayment ability.

4. Effective documents such as purchase contracts and agreements.

5. List of collateral used for guarantee, ownership certificate, certificate that the disposer agrees to the collateral, and collateral evaluation certificate issued by relevant departments.

6. Other materials required by the Provident Fund Center.

Iii. Examination of bank acceptance bills

Banks will promptly accept and review loan applications with complete information and submit them to the provident fund center in time.

Four. Lending approval

Provident fund center is responsible for loan approval, and will promptly notify the bank of the approval results.

Verb (abbreviation for verb) loan procedure

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and husband and wife sign loan contracts and related contracts or agreements with the bank, and send the loan contracts and other procedures to the provident fund center for review. For funds, the entrusted bank will issue loans in full and on time according to the loan contract.

Six, mortgage registration procedures

If the house mortgage is used as a guarantee, the borrower shall go through the formalities of real estate mortgage registration at the real estate management department where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or the joint center.