1. If you want to apply for a housing provident fund loan to buy a house, you must first communicate with the developer and explain the provident fund of the loan. After signing the sales contract, apply for a loan at the personal loan service hall of the municipal provident fund management center, and the provident fund management center will pass the approved loan information to the entrusting bank. Sign the mortgage information at the bank at the appointed time.

2. The information includes the original ID card, the original household registration book, marriage certificate, income certificate, provident fund card, and running bill with passbook for more than 6 months. After the provident fund loan is approved, the borrower can go through the loan issuance procedures at the entrusting bank with the original and photocopy of the real estate license and the loan notice.

3. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the information required by the bank. Moreover, it should be noted that housing provident fund loans have fewer restrictions on housing age, and the sum of housing age and loan life cannot exceed 50 years.

The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.