Hefei Provident Fund Loan Guide (Conditions+Materials+Handling Process)

1. Processing conditions and required materials

(1) Specific processing conditions and required materials for housing provident fund loans for commercial housing in Hefei can be found here

(2) Specific processing conditions and required materials for housing provident fund loans for second-hand housing can be found here

2. Processing procedures

(1) Commercial housing in Hefei.

2. Go through the loan formalities at the loan business window of the Provident Fund Center with corresponding materials, complete the entry and signing of the Loan Contract, and go through the formalities of applying for other rights of real estate and housing guarantee.

3. After the loan is accepted, the reviewer of the management center completes the preliminary examination of the loan.

4. After the entrusted loan bank investigates the customer's credit standing and house check, it informs the relevant units to handle (pre-) mortgage registration with the real estate registration agency.

5. after the pre-mortgage (or other warrants) is completed, the management center (subject to the confirmation of the management center) completes the loan approval, undertakes the bank to transfer money to the center, issues the loan and notifies the borrower.

(II) Second-hand housing provident fund loan

1. The lender obtains the Second-hand Housing Provident Fund Guarantee Loan Application Form and Instructions, loan instructions, income proof and other relevant forms from Hefei Provident Fund Center or downloads them through official website (gjjzx.hefei.gov.cn).

2. Go through the loan formalities at the loan business window of the Provident Fund Center with corresponding materials, complete the entry and signing of the Loan Contract, and go through the formalities of applying for other rights of real estate and housing guarantee.

3. After the loan is accepted, the reviewer of the management center completes the preliminary examination of the loan.

4. After the entrusted loan bank investigates the customer's credit standing and house check, it informs the relevant units to handle (pre-) mortgage registration with the real estate registration agency.

5. after the pre-mortgage (or other warrants) is completed, the management center (subject to the confirmation of the management center) completes the loan approval, undertakes the bank to transfer money to the center, issues the loan and notifies the borrower.

III. Frequently Asked Questions

Frequently asked questions about Hefei provident fund loans can be viewed here.