First, Langfang provident fund loan application conditions
1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance for not less than 6 months (6 times of the deposit amount in the current month). The form of overdue payment and one-time payment is not regarded as continuous deposit.
2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.
3. If the owner-owned house is purchased, built, renovated or overhauled within the statutory time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights.
4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the central bank's credit information system within two years.
5. Does the number of housing units of employees' family members (including applicants, spouses and minor children, the same below) meet the number of housing provident fund loans? Recognize the house and the loan? Conditions. ? Recognize the house? That is, the number of housing units in Taizhou. Accept a loan? That is, the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records).
6, housing provident fund management center recognized as collateral housing.
7. Those who have applied for commercial individual housing loans to housing provident fund loans shall comply with the conditions of housing provident fund loans and relevant laws and regulations.
8. The down payment of not less than the legal proportion has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of the provident fund center and the bank shall prevail.
Two, Langfang provident fund loans ways and means
1. Telephone consultation on Langfang provident fund business.
Second, go to the window of the housing provident fund center.
Three, through the Langfang provident fund online service hall website online operation.
Three, Langfang provident fund loan materials
(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;