1. Employees of the provident fund must first apply to their unit, and the unit will issue relevant certificates after verifying this;

2. The employee then submits an application for housing purchase with provident fund loan to the provident fund management center with relevant certificates issued by the unit, and submits personal provident fund account information, housing purchase contract and other materials;

3, provident fund management center to review the information provided by the applicant, to determine that the information is complete and no problem, you can notify the applicant to apply for a loan.

Materials for extracting the balance of housing provident fund:

1, ID card: the original and photocopy of the ID card of the purchaser;

2. Marriage certificate: if the purchaser is married, the original and photocopy of the marriage certificate shall be provided;

3. House sales contract: the original and photocopy of the house sales contract signed by the buyer and the seller shall be provided;

4. Purchase invoice: the purchaser needs to provide the original and copy of the purchase invoice;

5. Application form for provident fund withdrawal: Fill in the application form for provident fund withdrawal, and affix the official seal of the unit and the signature of the purchaser;

6. Property right certificate: if the purchaser purchases a second-hand house, the original and photocopy of the property right certificate shall be provided;

7. Housing appraisal report: the original and photocopy of the housing appraisal report are required;

8. Other relevant documents: such as the credit certificate of the buyer.

To sum up, the use of housing provident fund to buy a house needs to meet certain conditions, such as the provident fund must have a certain deposit period and must meet the requirements of local housing qualifications. Property buyers should know the relevant policies and regulations in advance before buying a house to avoid unnecessary troubles.

Legal basis:

Article 24 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.

Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.