At present, the borrower must deposit the housing provident fund 12 months continuously in Taizhou, where he works, before applying for provident fund loans.

After the reform: before applying for the provident fund loan, the borrower has paid the housing provident fund for more than 6 months (inclusive).

Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.

The content of the new policy has not been formally implemented in Taizhou, and it is still implemented according to the original system. Details are as follows:

1, with permanent residence or valid proof of residence;

2. The employee has continuously paid the provident fund for more than 6 months, and is currently paying the provident fund normally;

4. Have a stable economic income and the ability to repay the loan principal and interest;

5. Purchase and build owner-occupied housing in Taizhou area;

6. The borrower and spouse have good credit in the housing provident fund management center and the credit information system of the People's Bank of China;

Second, Taizhou provident fund loan process:

1. The borrower applies for a loan at the provident fund center, receives and fills in the Application Form for Personal Housing Provident Fund Loan.

2. After completing the "Approval Form for Individual Housing Provident Fund Loan Application", show the loan application materials and certificates to the staff.

3. The staff conducted a preliminary examination of the materials submitted by the borrower, and conducted interviews on matters related to provident fund loans to form interview records.

4. After both parties preliminarily determine the loan amount, term and other information, the staff will review the loan matters within 15 working days and make a decision on whether to approve or not.

5. Where loans are issued, the entrusted bank shall go through the loan issuance procedures, and the borrower shall sign a loan contract with the entrusted bank within the specified time.

6 after the signing of the loan contract, the entrusted bank will transfer the loan to the settlement account opened by the selling unit.

Three, Taizhou provident fund loan materials:

1, house purchase contract

2. Invoice that the first advance payment of the house is not less than 30% of the total house price (the second advance payment is not less than 60% of the total house price).

3, the loan applicant in the construction bank or industrial and commercial bank account passbook or card.

4. ID cards of both husband and wife of the loan applicant

5. Marriage certificate

6. Household registration

7. Joint letter of loan issued by real estate company.

Note: If the loan applicant is single, the marriage registration certificate issued by the civil affairs department is required.

4. Recently, the Notice on Adjusting the Relevant Policies of Personal Housing Loan for Housing Provident Fund in Taizhou City was issued, and the adjustment of personal housing loan policy for applying for housing provident fund is as follows: those who have never applied for personal housing loan for housing provident fund, and those who purchase ordinary self-occupied housing to apply for personal housing loan for housing provident fund, shall be executed according to the first suite; There is a record of housing provident fund personal housing loan and it has been settled.

At present, there is no commercial housing loan record or has been settled, which is regarded as the first suite to implement provident fund personal housing loan; At present, there are still outstanding commercial housing loans, and the provident fund personal housing loans are implemented at the interest rate of the first suite, and the loan down payment ratio is not less than 40%; There are two housing provident fund personal housing loans and they have been settled.

At present, if there is no commercial housing loan record or has been settled, the provident fund personal housing loan shall be implemented at the interest rate of the first suite, and the down payment ratio of the loan shall not be less than 40%; At present, there are still outstanding commercial housing loans, and the provident fund personal housing loans are implemented according to the second suite, and the loan down payment ratio is not less than 60%. The notice clearly States that if there is a record of housing provident fund personal housing loan and it has been settled, you can apply for the first home provident fund personal housing loan; At present, there are still two or more outstanding commercial housing loans, and they cannot apply for provident fund personal housing loans.