1. What materials should be prepared for the provident fund loan

The following materials should be prepared for the provident fund loan:

1. Identity card: one original and one copy each;

2. House purchase contract and loan contract: contract, combined loan is required

3. House purchase invoice: one original and one copy each (one is for mortgage payment of the first-hand house, and the other is for loan; )

4. application form for withdrawal of provident fund: 1 copy. Need to be reminded that the application form for provident fund withdrawal needs the seal of the company that pays the accumulated fund;

5. Property ownership certificate: one original and one copy;

6. deed tax payment book: one original and one copy (it is not necessary to buy a first-hand house).

The specific process of provident fund loan is as follows:

1. Submit a written application to the bank and fill in the reserve

2. The bank accepts and reports it to the provident fund center, which will notify the bank;

3. The bank informs the applicant to go through the loan procedures, and the borrower and his wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. The loan fund in the provident fund will be paid in full and on time by the entrusted bank according to the loan contract.

4. If the house is secured by mortgage, the borrower should go through the mortgage registration formalities at the house property management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife, it will be pledged by securities.

Legal basis: Article 5 of the Regulations on the Management of Housing Provident Fund

Housing provident fund should be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes.

second, what materials do you need for the loan?

Generally, the longest period of personal loans is no more than 5 years, and the geographical location and age of the mortgaged property must meet the requirements of the bank; If the owner of the property is your father, the signature of the mortgagor needs the signature of your parents. The specific information required is as follows: loan conditions: 1. You must have collateral to make a loan, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the assessed value of the collateral; 2. Have a long-term and stable income source sufficient to pay the monthly loan principal and interest; 3. Guarantor; 4. Information to be provided for personal loans: ID card, household registration book, proof of marital status, income certificate, real estate certificate, ID card, household registration book, proof of marital status and other relevant information to be provided by banks. 5. ID card/household registration book/proof of marital status of the property owner; It is also necessary to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. Generally, it takes about one month to get a loan. The process is as follows: 1. Apply to the bank for a loan. 2. After the bank accepts it, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Sign a loan contract, etc.; 4. Handling the registration of real estate mortgage; 5. Bank loan

III. What materials should be provided for the loan

The materials that need to be provided for the loan include: (1) proof of identity: the original and photocopy of the ID card are required (if you need to provide a spouse if you are married), and you can also use the temporary id card if the ID card is lost or other reasons make the original unusable. (2) Household registration certificate: the household registration book needs a home page and a corresponding page, and the household registration certificate needs to be stamped with a fresh stamp (issued by the police station or unit where the household registration is located) and is within the validity period. (3) Marriage certificate: one of marriage certificate, divorce certificate (divorce agreement is provided according to the requirements of different lending institutions), divorce mediation book or divorce judgment, and single certificate (notarized by notary office) is required. The reason why a marriage certificate is needed is that both husband and wife sign and agree to the loan (with the same repayment responsibility); If the borrower is divorced, in order to avoid property disposal, it is required to provide relevant judgments after divorce (such as who awarded the house and car); Because unmarried, divorced, widowed, etc. are all called singles, lending institutions require single certificates in order to find out the borrower's assets. (4) Proof of residence: generally, it is required to apply for a residence permit (in some places, a temporary residence permit), or provide proof of payment of utilities, gas, communications and property management fees for nearly 3-6 months, or provide a bank credit card billing address for nearly 3 months. (5) Work certificate: It is generally difficult to get a loan without a stable job (except for collateral). The lending institution will provide the materials of the work certificate, and the borrower only needs to fill in the relevant information, and then let the unit affix a fresh seal. If the unit or company has a work permit, it can also be prepared. In addition, business owners or self-employed individuals need to provide the original and copy of the business license. Of course, some freelancers cannot prepare this material. At the same time, materials that meet the loan conditions should be provided. : loan conditions: 1. At least 25 years old and with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. 2. Have a fixed occupation or a stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule. 3. Good credit record and no bad credit record. 4. It can provide legal and effective guarantees recognized by the bank. 5. Other conditions stipulated by the bank. Personal credit information is very important when handling commercial loans. If there is a record of six months overdue for three consecutive months, basically no bank will lend you money. It should be noted that the provident fund loan needs to be paid in full for 12 months in a row, and it is still being paid before applying for the loan. Provident fund loans take longer than commercial loans from application to lending, so it needs to wait slowly. In addition, in the process of buying a house with a loan, if you encounter any problems, you can seek help from the property consultant in time. Proof of income The proof of income should cover twice the liabilities in the name of the individual, and the month when the bank is running water needs to be issued according to the requirements of the specific bank. Small businesses may need to provide a copy of their business licenses. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.