The housing provident fund loan process is as follows:

1, the deposit certificate of the housing provident fund of the applicant and spouse.

2, the applicant and spouse identification (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status.

3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability.

4, the purchase of housing contracts, agreements and other valid documents.

5. List of collateral and pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments.

The loan object shall meet the following conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

Second, how to borrow provident fund loans?

I. Loan object and conditions 1. The loan object should be a natural person with full capacity for civil conduct; 2. Have Jinan urban hukou or valid residence status; 3. Have a stable occupation and income, good credit, and the ability to repay the principal and interest on time; 4. By the time of the loan, the borrower has paid the housing accumulation fund 12 months or more, and paid it continuously for more than 6 months; 5. There is a legal purchase contract or agreement; 6. The down payment of more than 30% of the total price of the purchased house has been paid; 7. Agree to use the purchased house as collateral or securities as pledge. Second, the loan amount of housing provident fund is not higher than 300,000 yuan per household, the minimum loan amount is not lower than 1 10,000 yuan, and it is not higher than 70% of the total price of purchased commercial housing or the appraised price of second-hand housing. There are two formulas for calculating the loan amount of housing provident fund, and the highest one is the borrower's maximum amount: 1. Loan amount of housing provident fund = sum of monthly contributions of the borrower and the borrower's provident fund ÷ contribution ratio ×1February× loan period ×40%. 2. Provident fund loan amount = 15 times the borrower and the balance of the borrower's provident fund account. Three. Loan Term The longest term of housing provident fund loan shall not exceed 20 years, and the loan term plus the borrower's age shall not exceed the borrower's statutory retirement age. The sum of the age of second-hand houses and the loan period shall not exceed 30 years. Four. Loan Interest Rate Personal housing provident fund loan interest rate According to the regulations of the People's Bank of China, the current real interest rate is: the annual interest rate of loans with a term of less than 5 years (inclusive) is 4.77%, and the annual interest rate of loans with a term of more than 5 years is 5.22%. V. Loan repayment method: 1. If the loan term is within 1 year (inclusive), the principal and interest shall be repaid in one lump sum. 2. If the loan term exceeds 1 year, equal principal and interest repayment or average capital repayment shall be adopted. The intransitive verb/materials to be provided for commercial housing provident fund loans 1. The original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and the repayment commitment letter of * * * *; 2. Proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station); 3. Legal commercial housing purchase contract or agreement; 4. Personal credit certificate provided by the borrower and the borrower's unit; 5. Effective proof that the borrower has paid not less than 30% of the purchase price; 6. Effective guarantee certificate. The auction house of housing provident fund loan must have complete "five certificates", the developer must have signed a mortgage agreement with the entrusted bank, and the borrower must go through the loan preliminary examination procedures through the entrusted bank that signed the mortgage agreement with the developer. Seven. Materials to be provided for second-hand housing provident fund loans Second-hand housing is secured by existing housing. On the basis of providing the information in Article 6, the following information must be supplemented: 1. Copy of the seller's ID card and household registration book; 2. Original and photocopy of the real estate license; 3. An assessment report issued by an assessment agency recognized by the management center; 4. The mortgage registration certificate of Jinan real estate transaction department. Second-hand housing provident fund loans can be handled at any entrusted bank. Eight. Materials to be provided by the unit to raise housing provident fund loans The unit shall go to the provident fund management center for centralized provident fund loan procedures and provide the following information: 1. Approval from the Development Planning Commission; 2. State-owned land use certificate; 3. Construction project planning permit; 4. Construction land planning permit; 5. Construction permit for construction project. After the materials are approved, the provident fund management center and the fund-raising housing unit shall sign an agreement or guarantee contract in accordance with the relevant provisions of the Security Law. Units to raise funds to build houses, must hold personal loan related information, directly to the provident fund management center for centralized management. The management center entrusts the agent bank to handle the loan procedures. Nine, provident fund loan home insurance In order to reduce the economic burden of the borrower, it is up to the borrower to decide whether to apply for housing provident fund loan home insurance. Ten, provident fund loan mortgage registration

Third, how much can the housing provident fund be loaned?

(1) Loan amount

The maximum personal limit is 400,000 yuan, and the personal loan amount is 25 times of the balance of the housing provident fund account;

If the husband and wife jointly participate in the loan, the loanable amount of the employee and his spouse shall be calculated by adding the loanable amount of the individual, and the single housing accumulation fund shall be twice the maximum amount of the individual.

Percentage of loans for grandchildren (2)

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

The maximum loan ratio of individual housing loans that pay housing provident fund is 60% of the value of the house purchased.

(3) Other quota provisions

1. When an employee's family purchases the first second-hand house, the maximum loan amount is 80% of the lower of the appraised value of the purchased second-hand house and the transaction amount filed by the real estate registration agency;

If a worker's family buys a second-hand house with compensation, the maximum loanable amount is 60% of the lower transaction amount of the purchased second-hand house;

Remaining principal balance of the first-hand housing replacement loan; Provisions on the loanable amount of second-hand housing replacement loans and second-hand housing mortgage loans.

50% of the family's monthly income has been paid.