1. How to get a loan using housing provident fund?

Four conditions need to be met for provident fund loans:

The borrower’s provident fund must be paid and deposited in Shenzhen (that is, Shenzhen household registration can be paid in other places, and non-Shenzhen households must be paid and deposited in Shenzhen) only);

The last 6 balances have been paid continuously;

The credit is good;

The loan applicant and his/her spouse have no outstanding balances nationwide. Provident Fund Loans.

When applying for a provident fund loan, the material requirements are different depending on the marital status:

The materials required for single families (unmarried, divorced, widowed) are: original ID card, real estate transaction Original contract, original deposit receipt, deposit transfer receipt, real estate information query result sheet, provident fund joint card, down payment bank card, household register (reflecting true marital status; if divorced, a divorce certificate or judgment is required, and if widowed, a divorce certificate or judgment is required) The household registration booklet must reflect the widowhood information).

Married families need to prepare the following materials: original ID cards of both spouses, original property sales contract, original deposit receipt, deposit transfer receipt, real estate information inquiry result sheet, provident fund joint card, and down payment bank card , household registration book (reflecting marital status), marriage certificate.

When a married family goes through the visa interview, both husband and wife must be present and cannot entrust others to do it for them.

2. To apply for a provident fund loan in Shenzhen, do you need to pay for 6 consecutive months in advance?

According to Shenzhen's "Provisional Regulations on Provident Fund Loans", the following conditions must be met:

1. The provident fund must be paid continuously for 6 months and be in normal payment status at the time of application

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2. The provident fund loan has been taken out or the provident fund loan has been paid off

3. The loan amount that must have paid the down payment for the house purchase: The applicant and *** are in the provident fund account of the same applicant 10 times the total amount and must meet the following requirements: 1. The monthly loan repayment amount shall not exceed 502 of the total provident fund payment base of the applicant (and the same applicant as ***), and shall not be higher than the difference between the total purchase price and the down payment. 3. shall not It is higher than the maximum provident fund loan limit for a single house (80W in your case). If the provident fund has not been withdrawn for more than 3 years, the loan limit can be increased by 10.

3. How can I get a loan from the housing provident fund in Shenzhen? There are certain requirements, such as the payment period and amount reaching a certain standard. In addition, is it only possible to buy a house?

Hello , local Shenzhen loan applicants and *** applicants can make an appointment through the Shenzhen Provident Fund Center Online Service Hall and apply at the Provident Fund Center Management Department Service Hall, and provide the following basic materials: (1) Housing Provident Fund joint card; (2) Valid identity document; (3) Proof of marital status; (Copy of fourth-hand property certificate (second-hand house)); (5) Copy of debit account at the trustee bank; (6) Other materials required in the operation manual; employees and parents apply together For provident fund loans, the household registration book or the direct kinship certificate issued by the public security department or a notary agency are required. The provident fund loan application form and other materials specified in paragraph 1 of this article shall be submitted by the applicant and *** to the management department of the provident fund center. The application will be signed on the spot in the service hall. If you are an applicant for a provident fund loan, your spouse should be the same applicant. If your parents pay housing provident funds in this city, you can be an applicant for the same person. In addition to your spouse, parents, and children, employees can purchase. If there are other housing provident fund loans that can be used to apply for housing provident fund loans (employees purchase affordable housing), they must meet the following conditions: 1. The applicant and the person participating in the calculation of the provident fund loan loan limit have continuously paid the housing provident fund in full and on time. It has been 6 months (it belongs to the normal payment and deposit status when applying for supplementary payment; (***If the same applicant participates in the calculation of the quota, the above conditions must also be met.

If you do not meet the above conditions, you can only be a *** co-applicant, but will not participate in the quota calculation) 2. The applicant and *** co-applicant have not incurred provident fund loans in this city or have paid off provident fund loans; If the applicant's parents are co-applicants, both parents are repayable or have paid off the provident fund loan; 3. The applicant and co-applicants who participate in the calculation of the provident fund loan limit have the ability to repay the principal and interest of the loan, and have credit The condition is in good condition; 4. The applicant has paid the down payment for the house as required; 5. The applicant provides a guarantee that meets the requirements of these regulations; 6. The loan application complies with the requirements of national market management policies; 7. Meets other conditions stipulated by the Provident Fund Management Committee.

4. How to get a loan from the housing provident fund in Shenzhen? There are certain requirements, such as the payment period...

1. The bank can lend (but you need to provide your ID card, Work permit, existing mortgage items, etc.) are more troublesome.

2. The real estate sales department also has such activities. The profits are similar to those of banks. It depends on your personal opinion.