The following is an answer about how to use the housing provident fund to buy a house. Methods/Steps 1: First of all, according to the "Implementation Measures for Personal Housing Provident Fund Loans", the borrower applying for such loans must meet the following conditions: the borrower is an individual who normally pays the housing provident fund in the "Provident Fund Center"; The borrower purchases affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a house purchase contract or relevant supporting documents; The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest; The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender. 2. After meeting these conditions, you can apply for a loan from the bank with your ID card, the purchase contract signed by the real estate company, the monthly income certificate (salary slip) issued by the provident fund center, and the provident fund deposit certificate. Generally speaking, in order to ensure the safety of funds, banks should conduct certain audits on the credit and economic strength of borrowers. The interest rate of this kind of loan is lower than that of commercial loan. Within five years (including five years), the monthly interest rate is 3.45‰, and the annual interest rate is 4.14%; For more than 5 years, the monthly interest rate is 3.825‰ and the annual interest rate is 4.59%. The state stipulates that the maximum amount of provident fund loans cannot exceed twice the amount of housing provident fund paid by borrowers within their retirement age. 4. The state stipulates that the loan period is one to ten years, but not more than twenty years at most. Banks generally require borrowers to pay interest first and then principal to repay the principal and interest. Generally speaking, banks have three ways to determine how much to lend to borrowers and how long to borrow them. 1. The loan amount is determined according to 10 times of the balance of housing accumulation fund paid by the borrower. 2. 40% of the borrower's total salary is used as the loan amount that can be applied. 3. According to the borrower's monthly repayment ability and the bank's monthly loan interest rate of 3.825‰, the approximate repayment period can be calculated by substituting the corresponding formula. In addition, the bank will "repay the loan" to the provident fund in March each year, and the reduction amount will not exceed 12 times of the monthly repayment amount of that year. In other words, the provident fund you pay can not only apply for a loan with lower interest rate, but also help you repay part of the loan amount. After all this is clear, we will enter the final stage of housing provident fund loan to buy a house: deposit 30% of the down payment into the account opened by the real estate company in your loan bank; Deal with a savings card at your loan bank, so that the bank can deduct the loan amount from the card every month; Sign a loan contract. At the same time, we must mortgage the house, buy insurance and finally notarize it. These things are handled by the bank and the expenses are borne by the borrower. Methods and steps of withdrawing housing provident fund: After buying a house with housing provident fund loan, you must first apply for withdrawing housing provident fund, and then bring the following materials: (1) If the house is rebuilt or overhauled, you must provide the original and photocopy of the housing safety appraisal certificate and the Notice of Dangerous House issued by the municipal and district housing safety appraisal departments, as well as the original and photocopy of the house ownership certificate and the state-owned land use certificate; (2) for residential construction, provide the original and photocopy of the construction project planning permit and the construction project planning acceptance certificate issued by the municipal and district planning departments; (3) The original and photocopy of the construction contract with the name of the person (or spouse) and the invoice for purchasing building materials. (4) The Application Form for Extraction of Housing Provident Fund audited and sealed by the unit; (5) my ID card and a copy; (6) The original and photocopy of my housing provident fund deposit certificate (household registration book or joint card); (7) The certificate of extraction of housing provident fund issued by the unit; The condition for withdrawing the provident fund is 1. Failing to apply for provident fund or provident fund portfolio loan. 2. The house needs to have a state-owned land use certificate and a house ownership certificate. 3. Those who build, renovate or overhaul their own property houses shall go through the formalities of withdrawing housing provident fund. Note: According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees may withdraw the balance of their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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.

Legal objectivity:

Step 1: If you apply for 1 to purchase commercial housing and affordable housing, you should sign a purchase contract with the selling unit, and at the same time, you should go to the selling unit to receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount; 2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center; 3. To buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review the house selling unit or guarantee company and submit the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review. Step 3: Sign a loan contract. After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Step 4: Ensure 1. The purchase of commercial housing and affordable housing built by the developer who signed the housing provident fund loan cooperation agreement with the center, before the formal mortgage of the house, the developer shall undertake joint and several liability guarantee for the borrower in stages; 2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center; 3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility. Step 5: After the borrower of the bank loan completes all the above procedures, the Center will issue a "Decision on Granting Loan" to the entrusting bank to inform the bank to lend money. Step 6: Repay the borrower according to the monthly repayment amount agreed in the loan contract, and make monthly repayment to the bank. The conditions for applying for housing provident fund loans are 1. Lenders must have permanent residence or valid residence status in this city; 2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law; 4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price); 5. Have a stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit); 6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.