Provident fund loans refer to employees who have permanent residence in local towns, have established housing provident fund system for more than 2 years, and pay housing provident fund according to regulations. In the purchase, building or decoration, overhaul of their own housing funds are insufficient, you can enjoy provident fund loans.

The loan conditions are as follows: the total amount of provident fund paid by the borrower and his family members reaches at least 30% of the newly purchased (overhauled) housing expenditure; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

The process from viewing the house to applying for housing provident fund loan is as follows:

1. Look at the right property. This property must sign a contract with the provident fund center to get a provident fund loan.

2. Take the loan application form from the developer or provident fund center and fill it in completely, including personal information and the seal of the income proof unit.

3. Designate a bank account for future repayment.

4. The developer should pay the down payment and hand over the loan application form to the developer or provident fund center.

5. Wait for the approval of the provident fund center, and you will be informed of the success of the loan after the approval.

6. Get the loan contract from the developer.

7. Start mortgage loan.