What information is needed to apply for a housing provident fund loan?
To apply for a housing provident fund loan, you need to provide the following information:
1. Identity documents: original and copy of the applicant’s and spouse’s ID cards.
2. Household register: the original and copy of the applicant’s and spouse’s household register.
3. Proof of marital status: Married applicants need to provide the original and copy of their marriage certificate.
4. House purchase contract: The original and copy of the house purchase contract are used to prove the legality of the house purchase.
5. Real estate certificate: The original and copy of the real estate certificate, used to prove the ownership of the house.
6. Provident Fund payment certificate: Provide provident fund payment certificate for the past 6 months, including payment details and balance.
7. Proof of income: Proof of salary income of the applicant and his spouse, such as salary slips, labor contracts, personal income tax payment certificates, etc.
8. Proof of repayment ability: such as bank statements, personal credit reports, etc., proving that the applicant has the ability to repay.
9. Other supporting documents: Depending on the requirements of different regions and banks, other supporting documents may be required, such as social security payment certificates, personal income tax payment certificates, etc.
Please note that the above information is for reference only, and specific requirements may vary by region and bank. Before applying for a housing provident fund loan, it is recommended that you consult the local housing provident fund management center or choose a bank that cooperates with you to obtain the latest application requirements and a list of required documents.
Legal basis:
"Housing Provident Fund Management Regulations":
Chapter 4 Withdrawal and Use of Housing Provident Fund Article 26 Employees who have paid and deposited housing provident funds shall When purchasing, constructing, renovating or overhauling a self-occupied house, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.