1. What are the conditions for provident fund loans to buy a house in Foshan: 1. Active employees with full capacity for civil conduct and full payment of housing provident funds; 2. Continuous normal payment of housing provident funds for more than 12 months; 3. In the administrative area

Purchase and build a self-occupied house within the country, and have paid off more than the prescribed down payment ratio; 4. Have good personal credit, have stable economic income and the ability to repay the principal and interest of the loan; 5. Agree to use the house purchased and built as a mortgage for the loan

property, or provide a guarantee recognized by the Management Center.

Provident fund loan application process: 1. Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) Housing provident fund payment certificate of the applicant and spouse; (2) Applicant

and spouse’s identity certificate (referring to resident ID card, permanent residence booklet and other valid residence documents), marriage status certificate; (3) Proof of stable economic income of the family and other certificates of claims and debts that have an impact on repayment ability; (4) Purchase

Valid supporting documents such as housing contracts and agreements; (5) Collateral, list of pledges, ownership certificates used for security, and proof that the person with the right to dispose agrees to mortgage and pledge, and collateral valuation certificate issued by the relevant department; (6)

) Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor must sign a three-party contract.

(7) Other information required by the Provident Fund Center.

2. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. The provident fund center will transfer the money after approval.

For entrusted loan funds, the entrusted bank will issue loans in full and on time as stipulated in the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If it is pledged with securities, the borrower must hand over the securities.

The management department or alliance center will take custody and keep it.

2. What are the conditions for housing provident fund loans in Foshan to buy a house? What must be met by individual housing provident fund loans? 1. The borrower has full civil conduct; 2. Has a formal urban household registration or valid residence status in this city; 3. Has stable economic income, good credit, and repayment

The ability to borrow principal and interest; 4. Pay the housing provident fund normally before borrowing and pay it continuously for more than six months; 5. Be able to provide a valid contract or judgment for purchasing a self-occupied house; 6. The borrower and the buyer in the house purchase contract must be consistent, and the purchase*

**Those with property rights (except spouses)*** Someone must issue a written commitment to agree to the housing mortgage; 7. Have self-owned funds not less than 30% of the value of the self-occupied house (more than 40% of the second-hand house); 8

, The borrower agrees to handle housing mortgage and insurance; 9. If purchasing commercial housing, a periodic guarantee and report relevant credit materials; 10. The borrower agrees to open a personal account at the loan undertaking bank, and agrees that the loan undertaking bank will directly

The principal and interest of the loan are withdrawn from this account.

Provident Fund Loan 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; 3. The acceptance outlet accepts the application; 3. Sign the contract; 4. The information required for the approval of the housing provident fund loan is as follows: 1. "Housing Provident Fund Loan"

Provident Fund Loan Application or Application Approval Form in triplicate (fill in on-site at the local Housing Provident Fund Management Center); 2. Borrower and spouse and 3 copies; single and divorce certificate originals and 3 copies 3. Legal and valid

3 copies of the original house purchase contract, "commercial house advance notice, commercial house sales license", "completion acceptance certificate", and 3 copies of the real estate certificate; 4. If mortgage or pledge guarantee is involved, collateral or pledge rights must be provided

3 original copies of the ownership certificate and 3 original written certificates that the three parties agree to mortgage (pledge); 5. 3 original written commitments to provide guarantees involving guarantees and provide the guarantor with a business license and financial statements for the past three years.

3 copies of statements, qualification level certificates, credit rating certificates, etc.); 6. The original and 3 copies of the down payment documents (invoices, receipts, bank invoices, cash payment slips, etc.) that the borrower has paid

.