① Personal materials: you need to provide the borrower's resident ID card, household registration book, marriage certificate, etc. In addition to your personal materials, you also need to provide the materials of your spouse, minor children or other buyers. If the borrower is unmarried, a marriage certificate issued by the civil affairs department is required.
(2) Credit materials: a statement that the loan undertaking bank and the municipal provident fund management center agree to inquire about the personal credit report and the provident fund situation.
③ Purchase materials: proof of down payment and legal commercial housing purchase contract or agreement.
(4) Guarantee materials: if the guarantee method is adopted, the house registration certificate shall be provided; The use of mortgage guarantee, the need to provide a permit for the use of commercial housing; Where pledge guarantee is adopted, bank certificates of deposit, treasury bills and other securities recognized by the bank shall be provided.
What's the difference between provident fund loans and ordinary loans?
For lenders, the difference between using provident fund loans and ordinary loans mainly lies in different loan interest rates, different loan proportions, different loan processes, different approval time and different approval institutions; For lending institutions, the difference mainly lies in different loan sources, different users, different interest uses, different loan years and quotas.