How to borrow housing provident fund loans? Can you borrow cash?

You can borrow money, but you have to buy a house or decorate it, but you can put forward a provident fund at one time. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

Extended data:

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

When the borrower entrusts the loan bank to withhold the monthly repayment of the loan principal and interest through the savings card and passbook, it should also entrust the provident fund center and the loan bank to withdraw the housing provident fund (including supplementary housing provident fund and monthly housing subsidy) of himself and his spouse every month after the monthly repayment of the loan principal and interest, and transfer it to the borrower's housing provident fund card bank savings account as the withholding fund for repayment of the loan principal and interest next month.

References:

Provident fund loans _ Baidu Encyclopedia