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Conditions for provident fund loans:

1. Have legal and valid identity documents;

2. The deposit status is normal, Have paid provident fund in full for more than 6 months (inclusive) and have good credit;

3. Have stable income and the ability to repay loans;

4. Have legal and valid purchases Housing contract, agreement or "House Ownership Certificate" issued by the real estate administrative department;

5. If purchasing a house, a down payment of no less than 30% of the total price of the house purchased has been paid;

6. Those who build, renovate, or overhaul housing must be able to pay 30% of the upfront costs of all costs required to build, renovate, or overhaul housing;

7. Those who build, renovate, or overhaul housing must have planning, Documents approved by the land management department;

8. For major housing renovations, documents approved by the planning management department;

9. Be able to provide an effective guarantee recognized by the management center;

10. Other conditions stipulated in relevant laws, regulations and policies.

Process for provident fund loans:

1. The borrower applies for a loan at the acceptance outlet;

2. The acceptance outlet handles the inquiry on the status of the property under the family’s name on its behalf;

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3. Acceptance at the acceptance outlet;

3. Signing the contract;

4. Approval;

5. Handling mortgage registration procedures at the real estate trading center;

6. Bank lending.

The information required to apply for a housing provident fund loan is as follows:

1. "Housing Provident Fund Loan Application Approval Form" in triplicate (fill in on-site at the local housing provident fund management center);

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2. The borrower’s and spouse’s household registration book, resident ID card, original marriage certificate and 3 copies; singles must provide the original and 3 copies of single certificate and divorce certificate issued by the civil affairs department;

3. 3 original legal and valid house purchase contracts. Copies of the housing development unit's "Business License", "Commercial Housing Pre-sale License" (off-plan property), "Commercial Housing Sales License", "Completion Acceptance Certificate", and 3 copies of the big house certificate;

4. If a mortgage or pledge guarantee is involved, the original and 3 copies of the ownership certificate of the mortgage or pledge rights, as well as 3 original written certificates of the consent of the person with the right to dispose of the mortgage (pledge);

5. If a guarantee is involved, the guarantor is required to issue 3 original written commitments agreeing to provide guarantee and provide copies of supporting materials proving the guarantor’s ability to guarantee (including business license, financial statements for the past three years, qualification level certificates, credit rating certificates, etc.) 3 copies;

6. The original and 3 copies of the down payment documents (invoices, receipts, bank statements, cash payment notes, etc.) that the borrower has paid for more than the specified proportion of the purchase price of the house. pieces.