Proof of deposit of housing provident fund of the applicant and spouse;
Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status;
Proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;
Valid documents such as purchase contract and agreement;
Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
The provident fund center requires a third-party guarantor to guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor jointly sign a tripartite contract;
Other information required by the provident fund center.
The application conditions for provident fund loans are:
Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;
The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the accumulation fund can not be less than 12 months;
The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
The borrower has a proper job and a stable income, a fixed monthly salary, and a clear intention to repay;
Sign a house purchase contract or contract with the sales office;
Meet other conditions stipulated by the trustor and the trustee.
Housing provident fund loan process:
Lenders applying for housing provident fund loans need to submit a written application to the bank;
For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;
The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner;
The bank informs the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If there is mortgage, the borrower shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.