Employees who pay in the place of employment (deposit place) and buy self-occupied housing in the place of residence (loan place) can apply for personal provident fund or rental loan from the provident fund management center of the loan place with the proof of provident fund deposit.
When accepting the approval of housing provident fund loans in different places, the provident fund management center in the place of deposit shall issue relevant materials such as the deposit of local housing provident fund and loan certificate of employees and their spouses.
Processing flow of housing provident fund loan to buy a house:
Property buyers need to hold the commercial housing sales contract or loan contact form to the housing provident fund management center to receive the loan application form, and according to the prompt, the applicant should fill in the housing provident fund loan application form as required;
The applicant holds or assists the borrower's ID card, and at the same time prepares to go to the household registration book (if the household registration books are not together, a marriage certificate is required) and go to the Civil Affairs Bureau to get a marriage certificate or a single certificate. Carry the commercial housing sales contract, fill in the "Housing Provident Fund Loan Application Form", review the loan amount at the Housing Provident Fund Management Center, and calculate the payable expenses;
Materials to be prepared by the applicant: application form for housing provident fund loan, original commercial housing sales contract, 4 originals of commercial housing sales contract, approval letter for real estate sales, sixth copy of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card 1 copy, couple's household registration book 1 copy, and 2 copies of marriage certificate or single certificate.
The applicant withdraws money from the bank window of the housing provident fund management center on the specified date and receives the bank receipt.