The method of using housing provident fund to buy a house is as follows: 1. Confirm with the provident fund center whether you are eligible to use provident fund loans to purchase real estate; 2. Select the property you want to buy and initiate a loan application to the provident fund center; 3. The provident fund center will approve the loan; 5.

, Provident Fund Center issues loans.

The housing provident fund purchase process is as follows: 1. Submit a provident fund loan application, and the borrower submits the loan application to the provident fund management center as required and provides the information required for the loan; 2. The provident fund loan core conducts a preliminary review, and the provident fund management center accepts the borrower's application.

, will review the borrower's qualifications, loan amount, loan period, loan information and other information, and give opinions; 3. Provident Fund loan credit investigation, after the provident fund management core's preliminary review is completed, the bank undertaking the provident fund loan will review the borrower's credit rating

Conduct a pre-loan credit investigation.

After the investigation is completed, the lending bank will provide opinions and fill out the individual housing provident fund loan and portfolio loan investigation and approval forms and submit them to relevant personnel for approval; 4. Sign a provident fund loan contract. If the borrower passes the review, the borrower will receive a letter from the loan undertaking bank.

notify.

At this time, the borrower only needs to bring his ID card, household register, bank account number and other information within the specified time to the undertaking bank to sign the loan contract; 5. Go through the house insurance and mortgage loan registration procedures. After signing the loan contract, the borrower

Insurance and mortgage registration procedures need to be completed as required, and the resulting costs will be borne by the borrower; 6. Waiting for the allocation of the provident fund loan, the loan undertaking bank will confirm that the mortgage registration has been completed and the loan contract has taken effect.

Transfer the loan to the account designated by the borrower and the seller, and send the loan receipt to the borrower.

To sum up, there are two ways to buy a house with provident fund, one is to use provident fund to get a loan, and the other is to withdraw provident fund for repayment.

The process of purchasing a house with a provident fund loan starts with submitting an application for a provident fund loan, followed by a preliminary review of the provident fund loan, and finally signing a provident fund loan contract.

Legal basis: Article 28 of the "Housing Provident Fund Management Regulations" The Housing Provident Fund Management Center may, with the approval of the Housing Provident Fund Management Committee, use the Housing Provident Fund to purchase treasury bonds on the premise of ensuring the withdrawal and loans of the Housing Provident Fund.

The Housing Provident Fund Management Center shall not provide guarantee to others.

Article 29 The value-added income of the housing provident fund shall be deposited into the special account of the housing provident fund value-added income opened by the housing provident fund management center at the entrusted bank to be used to establish the housing provident fund loan risk reserve, the management expenses and construction of the housing provident fund management center

Supplementary funding for urban low-rent housing.