You can use provident fund loans, provided that the amount of your provident fund account is sufficient. If you don't have other real estate in your name and no bank loan record, you can get a loan of 70% and enjoy the first set of interest rate concessions 1. After divorce, if you want to apply for provident fund loan to buy a house, you need to submit a written application to the bank, that is, fill out the Application Form for Housing Provident Fund Loan and provide relevant information. The information is as follows: (1) proof of housing provident fund deposit of the buyers and their spouses who apply for provident fund loans after divorce; (2) The identity certificates of the divorced housing provident fund loan buyer and the spouse who applied for provident fund loan after divorce, that is, valid residence certificates such as ID card and household registration book and proof of marital status; (3) Proof of stable family income of the purchaser applying for provident fund loan after divorce and other proof of creditor's rights and debts that have an impact on repayment ability; (4) Contracts, agreements and other valid documents of the buyers who apply for provident fund loans to purchase houses after divorce; (5) Other relevant materials required by the core of provident fund management. 2. Banks should review loan applications with complete information and submit the results to the core of provident fund management in time. 3 provident fund management core approval of loans and timely notify the bank of the approval results. 4. According to the examination and approval results of the core of provident fund management, the bank informs the people who apply for provident fund loans to purchase houses after divorce to go through the formalities of housing provident fund loans. The borrower and his wife sign relevant contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund management core for review. After the approval of the provident fund management core, the entrusted loan funds will be allocated, and then the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is mortgaged, the borrower shall go through the registration formalities with the house property management department in the area where the house is located, and the husband and wife shall sign a mortgage contract or agreement; If there is securities mortgage, the borrower needs to hand over the securities to the management department for safekeeping.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 24

first

Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.