1. process: provident fund loans need to be reviewed twice: the first review and the second review, as well as the related links of face-to-face signing. The specific loan process is also divided into city management and state management: if it is city management, first, the qualification examination and house verification are carried out, then the online signing, evaluation and face-to-face signing are carried out, the loan contract is signed in the first instance, and finally the tax payment, transfer, loan and house ownership are handled.

2. Materials: The materials required for provident fund loans are firstly the borrower's ID card, including resident ID card, household registration book or other valid residence documents, secondly the borrower's family income certificate and letter of intent for legal house purchase contract, thirdly the list of collateral or articles needs the consent of the responsible person, and finally the relevant approval conditions for self-built houses, and more than 30% of its own funds can be used for buying or building houses.

3. Processing time: generally, it takes 1-2 months to process provident fund loans. If the applicant's materials are submitted completely, the bank will complete the examination and approval within 15 days. After that, the applicant can apply for a provident fund loan at the provident fund center. After receiving the application, the Provident Fund Center will examine and approve it within 10 working days, and finally go back to the bank to go through the relevant formalities.

Need to pay attention to the following points:

1. For the purchase of new commercial housing, provide the property ownership certificate or the purchase contract and payment voucher filed by the real estate administrative department;

2, the purchase of second-hand housing, provide real estate administrative departments for the record of the purchase agreement or housing ownership certificate, deed tax payment certificate;

3, the construction and renovation of housing, provide the planning department of construction and renovation approval documents, payment vouchers;

4, overhaul occupied housing, provide housing safety appraisal certificate issued by a qualified institution, housing ownership certificate, project budget and payment voucher;

5. To repay the principal and interest of the housing loan, provide the purchase contract, loan contract and repayment certificate issued by the bank, which are filed by the real estate administrative department.

legal ground

The second revision of the State Council's decision on amending some administrative regulations)

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.