China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. The information provided is as follows:

1) loan application form;

2) The borrower's household registration book, ID card or other valid proof of residence;

3) Purchase contract or letter of intent and other related documents;

4) Letter from the housing fund management institution of the borrower's unit agreeing to the loan;

5) In the case of mortgage or pledge, the written certificate of the guarantor's consent to the guarantee and the credit certificate of the guarantor;

6) In case of guarantee, the guarantor agrees to a written guarantee certificate and a guarantor's credit certificate;

7) Original and photocopy of the receipt that the borrower has paid more than 20% of the house purchase advance payment;

8) Other materials required by the trustee;

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets or consult the local provident fund management center in detail.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.