Basic conditions for applying for a housing provident fund loan:

1. Have a legal and valid identity;

2. Have full capacity for civil conduct;

3. Have a stable career and income, good credit status, and the ability to repay the principal and interest of the loan;

4. Purchase, build, renovate, and overhaul self-occupied housing;

5. Have a contract or relevant supporting documents for the purchase, construction, renovation, or overhaul of a self-occupied house;

6. Provide a guarantee recognized by the client;

7. Neither the borrower nor his wife have Repaid housing provident fund loans and housing provident fund policy discount loans;

8. Payment conditions: The housing provident fund account has been established for more than 6 months (inclusive).

Provide the following information:

1. Proof of housing provident fund payment for the applicant and his/her spouse; , permanent residence booklet and other valid residence documents), documents proving marital status;

3. Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability;

4. Valid supporting documents such as contracts and agreements for purchasing a house;

5. Collateral used for guarantee, list of pledges, certificate of ownership and proof of the consent of the person with the right to dispose of the mortgage or pledge, relevant departments Proof of valuation of the collateral issued;

6. The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee. The borrower, lender and third-party guarantor will sign a three-party contract together. .

Other information required by the Provident Fund Center:

1. For loan applications with complete information, banks will promptly accept and review them and submit them to the Provident Fund Center in a timely manner;

2. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner;

3. The bank notifies the applicant to handle the loan procedures based on the approval results of the Provident Fund Center, and the borrower and his wife sign a loan contract with the bank and Relevant contracts or agreements, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval, the Provident Fund Center will allocate the entrusted loan fund, and the entrusted bank will issue the loan in full and on time as stipulated in the loan contract;

4. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If it is pledged with securities, the borrower must hand over the securities to the management department. Or the Alliance Center will keep it for safekeeping.