1, with permanent residence in this city;

2. The housing provident fund has been continuously deposited for more than half a year before the application, and the accumulated time for depositing the provident fund is not less than 2 years;

3. Self-raised funds reach more than 30% of the total price of the purchased house;

4 have a stable job and a stable source of income, and have the ability to repay the principal and interest of the loan.

The nature of housing provident fund is as follows:

1, security, the establishment of employee housing provident fund system, providing a guarantee for employees to solve housing problems faster and better;

2. Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing. Housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers;

3. In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the date of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

The process of handling provident fund is as follows:

1. If it is accepted, the borrower needs to fill in the loan application form, authorize the borrower (and his spouse) to check the credit information system, and submit the materials required for the loan to the center after checking that there are no bad loans or bad credit records;

2. At the time of examination and approval, the Center will review whether the application materials for provident fund loans submitted by borrowers are complete and determine the amount and duration of provident fund loans. If the borrower applies for a portfolio loan, the Center will print a portfolio loan contact form after examining and approving the loan amount and term, and submit it to the borrower for commercial loan at the portfolio loan bank. After the portfolio loan is completed, submit the relevant materials to the center. After the borrower pays the relevant fees, the center signs a loan contract with the borrower;

3. After mortgage registration, the borrower and mortgagor (or agency) shall go through the pre-mortgage registration formalities with the real estate transaction registration management department with the written documents related to mortgage registration, and submit the pre-mortgage completion materials to the center;

4. Lending: After the center receives and verifies the mortgage registration materials, it entrusts the bank to transfer the provident fund loan funds into the bank account designated by the selling unit.

To sum up, housing provident fund is a preferential policy for buying houses. If you buy a house with a provident fund loan, you will enjoy a great discount on the bank interest rate.

Legal basis:

Article 13 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.