Application conditions

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8, continuous normal deposit housing provident fund for more than twelve months;

Materials to be prepared:

1. Copy of the applicant's ID card;

2. A copy of the applicant's household registration book (home page, personal page and change page);

3. Copy of the down payment invoice for house purchase;

4. Original and photocopy of the commercial housing sales contract;

5. Original and photocopy of the house ownership certificate;

6. Original loan application form.

Handling housing provident fund loan procedures:

1. The loan applicant fills in the application form;

2. The applicant submits the application materials to the Center;

3. Confirm the customer's loan qualification through the preliminary examination of the center;

4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal;

5. Fill in the loan documents;

6. Submit the custody contract and loan contract to the developer and guarantee unit for seal;

7. buy insurance;

8. Submit materials to the provident fund management center for review;

9. Send the data to the center for final review;

10. Send the information to the lending bank;

1 1. Store the information returned by the bank;

12. Repay on time according to the loan documents.

References:

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