1. How to handle housing provident fund loans in Hangzhou: 1. The borrower needs to submit a written application to the bank, fill in the housing provident fund loan application form and provide relevant information truthfully: such as the housing provident fund deposit certificate; Identification certificate; Proof of stable family income; Purchase contract; Proof of collateral valuation; Other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower shall sign the loan contract and other relevant documents with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract. 5, the borrower to the real estate registration department for real estate mortgage registration procedures. The specific procedures vary from place to place, and the provisions of the local housing provident fund management center shall prevail. Second, what house can use the provident fund for self-occupied housing, commercial housing, houses without property rights, and auction houses can use the provident fund. Among them, the owner-occupied house can be a new house or a second-hand house; And the commercial housing must be a developer who has signed a loan cooperation agreement with the municipal housing provident fund management center. Commercial housing without agreement cannot use provident fund. Also, the auction house is the same. The auction company must sign a loan cooperation agreement with the housing provident fund management center. Houses without property rights must be mortgaged with the ownership of their own houses or third-party houses. It mainly includes self-occupied housing with military property rights, self-occupied housing invested on behalf of the construction, self-occupied housing in a certain scale community on collective land and so on. Provident fund loans to buy a house, everyone needs to pay attention. Buying a suite with a provident fund loan, if the loan has not been paid off, it is impossible to buy a second suite with a provident fund loan; And if you have already bought two suites with the provident fund, then the third suite cannot be bought with the provident fund loan.