Legal subjectivity: Housing funds refer to special funds raised jointly by the state finance and unit governments in accordance with national policies, regulations and financial system provisions, and used for unit housing system reform and housing construction.

Housing funds are funds obtained by enterprises from specified sources, with specific purposes, and are used exclusively for employee housing.

Housing fund is a fund that the state requires enterprises to set up in order to ensure and promote the smooth progress of housing system reform, realize housing commercialization, and accelerate housing construction.

The repayment time of housing funds is generally more than one year, and it becomes a long-term liability of the enterprise before it is settled.

The sources of corporate housing working capital funds mainly include: housing depreciation, funds used for housing from public welfare funds, borrowed housing funds and housing working capital funds.

Housing funds include: housing provident funds, housing subsidies and housing construction funds allocated from the fiscal budget and extra-budgetary funds; rental income from self-managed housing; house sales income retained for use by units; employee housing provident funds and other funds withdrawn in accordance with national regulations

House construction funds; housing exclusive parts and facilities and equipment maintenance funds extracted from unit sales income; transferred housing depreciation, maintenance and overhaul funds; housing funds allocated by superior authorities, etc.

Legal objectivity: Step 1: Application 1. To purchase commercial housing or affordable housing, while signing a purchase contract with the selling unit, obtain the "Housing Provident Fund Loan Application Approval Form" from the selling unit, fill in the form and prepare relevant materials.

Determine the loan amount; 2. If you are building or overhauling your own house, you should go to the Changchun Housing Provident Fund Management Center to apply for a loan with the approval documents of the land and planning management department; 3. If you are purchasing a private house with full property rights (i.e. a second-hand house),

Go to Changfang Replacement Guarantee Co., Ltd. to apply.

Step 2: Review the house selling unit or guarantee company and submit the borrower's information together with the house purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for approval.

Step 3: Sign a loan contract. After approval by the Housing Provident Fund Management Center, the borrower will be notified to sign a loan contract with the bank.

And handle relevant procedures such as contract notarization and mortgage insurance.

Step 4: Guarantee 1. If you purchase commercial housing or affordable housing built by a developer that has signed a "Housing Provident Fund Loan Cooperation Agreement" with the center, the developer will bear joint and several liabilities for the borrower before the formal mortgage procedures are completed.

Guarantee; 2. If you purchase a second-hand house with a property rights certificate and land certificate, go directly to the Mortgage Section of the Municipal Real Estate Trading Center to apply for mortgage registration, and take the relevant procedures to the Property Rights Registration and Certification Center to apply for other property rights certificates; 3. Purchase a property with a property rights certificate,

For second-hand housing without a land certificate, the guarantee company must bear the guarantee responsibility.

Step 5: After all the above procedures for bank lending to the borrower are completed, the center will issue a "Lending Approval Decision" to the entrusting bank and notify the bank to lend.

Step 6: Repayment The borrower repays the loan to the bank monthly according to the monthly repayment amount stipulated in the loan contract.

Conditions to apply for a housing provident fund loan: 1. The borrower must have a permanent residence in the city or a valid residence status; 2. The housing provident fund must be paid in full for more than 12 months from the date of application (both husband and wife must pay the provident fund)

Only one person is allowed to borrow money); 3. Have contracts (agreements) and related materials for house purchase, construction, and overhaul of self-occupied houses that comply with legal provisions; 4. Have a certain proportion of self-raised funds.

For purchasing commercial housing or affordable housing, self-raised funds must be no less than 20% of the total house price (for purchasing second-hand houses or building or overhauling housing, self-raised funds must be no less than 30% of the total house price); 5. Have a stable economy

Income, and the ability to repay the principal and interest of the loan (monthly income certificate issued by the employer); 6. Agree to use the purchased house or self-owned house with full ownership or a third-party house as a mortgage, or use securities recognized by the lending bank

, bank time deposit certificates for pledge, or a legal person, organization or third party recognized by the lending bank to provide guarantee.