At present, the cities that do not support provident fund loans in different places are: Nanjing, Suzhou, Zhengzhou, Dalian, Xiamen, Fuzhou, Jiangxi and Hohhot.

Conditions to be met for provident fund loans:

1. The conditions for buying a house with a housing provident fund loan include having a permanent residence in this city or a valid residence certificate;

2. The housing accumulation fund has been continuously deposited for more than half a year before the application, and the accumulated time for depositing the accumulation fund is not less than 1 year;

3. Self-raised funds reach more than 30% (including 30%) of the total price of the purchased house;

4. Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;

5. Signed a house purchase contract or agreement;

6. Meet other conditions stipulated by the trustor and the trustee.

Steps to apply for provident fund:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

6 housing fund management center and the entrusted bank signed an entrusted loan agreement.

7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8. The housing fund management center examines and approves the amount, term and interest rate of each loan, and signs a loan contract with the entrusted bank.

9. In accordance with the entrusted loan contract, the trustee shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

Conditions to be met when withdrawing the provident fund:

1. Purchase, build, renovate and overhaul self-owned houses;

2. Retired;

3. Complete loss of working ability or severe disability, which is one of the common situations, and the labor relationship with the unit is terminated or terminated;

4. Settle abroad or settle in Hong Kong, Macao and Taiwan;

5. Repay the principal and interest of the owner-occupied housing loan;

6. The monthly rent of the rented house exceeds15% of the monthly salary of the family;

7 migrant workers and units to terminate (terminate) labor relations;

8. The employee dies or is declared dead;

9 are enjoying the minimum living guarantee for urban residents or poor relief treatment;

10. Party B terminates the labor relationship with this unit and has not been re-employed for more than one year;

1 1. Employees and family members have accidents due to major diseases, or major injuries have caused difficulties in family life;

12. Family life is seriously difficult due to natural disasters or other emergencies.

Provident fund withdrawal process:

1. The unit manager goes to the banking service outlets to collect and purchase the housing provident fund withdrawal application and cash (transfer) check;

2. When employees apply for withdrawal of housing provident fund, they shall provide relevant certification materials to the unit in accordance with regulations. After verification, the unit shall fill in the Application for Withdrawal of Housing Provident Fund and cash (transfer) cheque, and affix the reserved seal. When employees who have individual accounts of housing provident fund in centralized households in the management center withdraw housing provident fund, they should bring relevant supporting materials directly to the business hall of the management center or the counter of the management department of the district and county sub-centers to apply;

3 employees in accordance with the provisions of the "housing provident fund withdrawal application" and related documents to the banking service outlets (district and county sub-center management department) to apply for the withdrawal of housing provident fund;

4. After reviewing the information provided by the employees, the staff will conduct the extraction review for the employees, print the acceptance receipt and submit it to the employees for confirmation, and submit the copy of the acceptance receipt 1 and the original supporting materials to the employees;

5. The extracted housing provident fund shall be transferred to the employee's joint housing provident fund card savings account.