Basic conditions for applying for a housing provident fund loan: 1. Have a legal and valid identity; 2. Have full capacity for civil conduct; 3. Have a stable career and income, good credit status, and the ability to repay the principal and interest of the loan; 4. Purchase, build, and renovate

, Overhaul the self-occupied house; 5. Have a contract or relevant supporting documents for the purchase, construction, renovation, or overhaul of the self-occupied house; 6. Provide a guarantee recognized by the client; 7. Neither the borrower nor the husband and wife have outstanding housing provident fund loans.

and housing provident fund policy discount loans; 8. Payment conditions: The housing provident fund account has been established for more than 6 months (inclusive).

Provide the following information: 1. Proof of housing provident fund payment of the applicant and spouse; 2. Identity certificate of the applicant and spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), documents proving marital status; 3. Stable family finances

Proof of income and other proofs of claims and debts that have an impact on repayment ability; 4. Valid supporting documents such as contracts and agreements for purchasing a house; 5. Collateral used for security, list of pledges, certificate of ownership and consent of the person with the right to dispose of it

Proof of mortgage and pledge, and collateral valuation certificate issued by relevant departments; 6. The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee. The borrower, lender and third-party guarantor must sign a three-party agreement.

contract.

Other information required by the Provident Fund Center: 1. The bank will accept and review the loan application with complete information in a timely manner and submit it to the Provident Fund Center in a timely manner; 2. The Provident Fund Center is responsible for approving the loan and notifying the bank of the approval results in a timely manner; 3. The bank will accept the provident fund application in a timely manner.

The center will notify the applicant of the approval results to handle the loan procedures. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval, the Provident Fund Center will allocate the loan fund, which will be sent by

The trustee bank shall issue the loan in full and on time as stipulated in the loan contract; 4. If the guarantee is in the form of housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement shall be signed by both husband and wife.

If securities are pledged, the borrower shall hand over the securities to the management department or alliance center for safekeeping.