That's right. Because the provident fund loan time is long and the conditions are complex, the general developers are reluctant to do it. You can consult their manager. As long as you can buy a house with a commercial loan, you can get a provident fund loan. But they are willing or not. The following materials for handling provident fund are really complicated. ....

1) Commercial housing (including affordable housing)

(1) application form for housing provident fund portfolio loan for employees of provincial units in duplicate;

(2) passbook of housing provident fund of the borrower and spouse. If the spouse has a work unit but fails to pay the provident fund, a certificate of the unit and a certificate of the neighborhood Committee where the spouse is unemployed shall be issued;

(3) The original and photocopy of the ID card and residence booklet of the borrower and spouse;

(4) proof of marital status: the married person shall provide the original and photocopy of the marriage certificate; Singles provide one-inch recent color photos and sign the unmarried statement in person;

(5) The income certificate issued by the personnel department of the borrower's family member's work unit, and the income certificate of foreign personnel shall be accompanied by a notarial certificate or tax payment certificate;

(6) The original and photocopy of the valid contract for the purchase of commercial housing or affordable housing;

(7) The borrower shall provide the original and photocopy of the bank cash payment form (borrowing from the real estate company) and the receipt or invoice issued by the real estate company. If you pay the down payment by credit card, you should provide the original and photocopy of POS single merchant stub and special transfer voucher. The down payment of commercial housing is not less than 30% of the house price, and the down payment of second-hand housing is not less than 40% of the house price;

(8) If the co-borrower is an employee outside the scope of the provincial unit provident fund management, it shall provide the housing provident fund loan and the housing provident fund deposit certificate issued by the housing provident fund management center of the city where it is located, and indicate the monthly deposit amount;

(9) If the loan term exceeds 15 years, co-borrower needs to provide proof that the borrower has not participated in housing reform or raised funds to build houses. If the co-borrower is an employee outside the scope of the provincial provident fund management, it shall provide proof that the housing reform department of the city where it is located has not participated in the housing reform.

Materials to be provided by the developer for filing.

(a) the company's business license, legal person code, qualification certificate, tax registration certificate and loan certificate;

(2) Power of attorney and ID card of the legal representative or authorized agent;

(3) Articles of association;

(four) the company has the right to provide joint liability guarantee for the borrower's resolution;

(5) Financial statements (the end of last year and the latest issue of this year) and capital verification reports audited by accounting firms;

(6) Examining and approving the annual investment plan;

(7) Land use right certificate, construction land permit (or approval letter for construction land), construction land planning permit, construction project planning permit, construction permit and pre-sale permit;

(8) Bank mortgage cooperation agreement