Here is the policy of Shanghai for your reference.

reconsideration policy for individual housing loans

1. Application conditions:

If the borrower or * * * and the borrower fail to pay the housing provident fund for six consecutive months due to work changes and other reasons, or the borrower fails to pay the housing provident fund for another period of time or is abnormal due to other special circumstances, the borrower may apply for reconsideration at the same time as applying for the provident fund loan.

2. Handling place:

1. Pure provident fund loans are accepted by the business departments of Shanghai Housing Property Financing Guarantee Co., Ltd.;

2. The provident fund portfolio loan is accepted by the branches of the entrusted bank for provident fund loans in this Municipality;

3. The outlets for reconsideration application and loan acceptance should be the same.

III. Requirements for handling:

1. Application materials required for loan.

2. Deposit the application materials for reconsideration for six consecutive months:

(1) Pay back the original description of the unit, prove the reasons for missing payment and pay back the payment, and affix the official seal or personnel department seal; If the applicant unit entrusts a third party to remit the housing provident fund, it shall indicate the matters entrusted to remit the provident fund and the name of the entrusted third party unit;

(2) The original social security payment details issued by the social security agency must match the payment of the provident fund;

(3) the original and photocopy of the labor contract signed by the applicant and the housing provident fund payment unit and other materials that can prove the labor relationship;

(4) If the transfer of the provident fund from other provinces and cities to Shanghai causes the payment to be discontinuous for six months, only the original and photocopy of the valid proof of uninterrupted payment of the housing provident fund before and after the transfer are required.

3. If reconsideration is required due to other special circumstances, other relevant materials shall be provided.

IV. Attendant:

Consistent with the attendance of loan acceptance.

To sum up, the housing accumulation fund networks in various regions have the document requirements and procedures of formulas.

supporting documents for completing the payment of social security and provident fund (one year);

original labor contract documents;

application materials for the purchase of house contract documents;

I happen to be in the process of understanding the policy. If someone has passed the reconsideration, please share the experience.