The housing provident fund refers to employees who work in this city’s agencies, enterprises, institutions, and social groups with permanent urban residence in this city and their units, and pay a certain proportion of the total salary income of the employees. A long-term housing savings fund with security, mutual assistance and obligation. Provident fund loan refers to the provident fund low-interest loan applied for by employees who have implemented the housing provident fund system or the housing currency allocation system in accordance with the regulations, and use the house they purchase for self-occupation in this city as a mortgage. Conditions for application: μ Meet all the conditions required for a commercial loan. μ Provide proof of provident fund payment. μ The provident fund has been paid continuously for more than half a year with a local account, and the provident fund has been paid continuously for more than one year with a foreign account. μ Apply for a provident fund loan for the first time or have paid off all provident fund loans. μ The maximum loan amount for an individual is 400,000 yuan, and for two or more provident fund borrowers, the maximum loan amount is 600,000 yuan. μ The total amount of provident fund portfolio loans cannot exceed 70% of the appraised value. Approval: (10-15 working days) Review by the person in charge of the operation → Review by the Real Estate Credit Department of the Provincial Branch → Review by the Guangzhou Housing Provident Fund Management Center → Return to the handling department indicator application by the Real Estate Credit Department of the Provincial Branch: (5 working days) Processing Complete the mortgage registration procedures → Send copies of the provident fund mortgage contract, insurance policy, and other real estate rights certificates to the Guangzhou Housing Provident Fund Management Center via the Real Estate Credit Department of the Provincial Branch to apply for a loan quota → issue a loan quota → transfer the fund → lend l Provident fund loan limit ( Whichever of the following three is the lowest will be used for calculation) Personal loan limit = (current balance of provident fund account + current monthly deposit amount × 2 × total number of months from current to legal retirement age) × 2 The maximum personal loan limit is RMB 400,000 . 70% of the transaction price or appraised value of the property. Note: If two or more applicants purchase the same house, the loan limit shall be the sum of each applicant’s loan limit, but the total shall not exceed RMB 600,000.

Materials that should be provided for commercial housing provident fund loans 1. The original and copy of the resident ID card and household registration book of the borrower and the loan participant (*** is the same as the repayer and guarantor) and *** is the same Repayment commitment letter; 2. Proof of marital status (if married, provide a copy of the marriage certificate, otherwise the certificate will be issued by the unit or police station); 3. Legal commercial housing purchase contract or agreement; 4. The location of the borrower and loan participants Personal credit certificate provided by the unit; 5. Valid proof that the borrower has paid no less than 30% of the purchase price; 6. Valid proof of guarantee. To apply for housing provident fund loans for off-plan properties, the "five certificates" must be complete, and the developer must have signed a mortgage agreement with the entrusted bank. The borrower must go through the initial loan review procedures through the entrusted bank that signed the mortgage agreement with the developer.

Documents that should be provided for second-hand housing provident fund loans. For second-hand housing, the existing house is used as a mortgage guarantee. In addition to the information provided in Article 6, the following information must be added: 1. Copies of the seller’s ID card and household registration book; 2. Original and copy of the real estate certificate; 3. Evaluation report issued by an evaluation agency recognized by the management center; 4. Proof of mortgage registration by the Jinan Real Estate Transaction Department. Second-hand housing provident fund loans can be applied for at any entrusted bank.

Documents that should be provided when providing provident fund loans for unit-funded housing construction. Units must go to the provident fund management center to handle provident fund loan procedures centrally, and provide the following information: 1. Project approval from the Development and Planning Commission; 2. State-owned Land use certificate; 3. Construction project planning permit; 4. Construction land planning permit; 5. Construction project construction permit. After the materials are approved, the provident fund management center and the fund-raising housing construction unit will sign an "Agreement" or "Guarantee Contract" in accordance with the relevant provisions of the Guarantee Law. When an unit raises funds to build a house, the unit must hold relevant personal loan information and go directly to the provident fund management center for centralized processing. The management center entrusts the agency bank to handle the loan procedures.