1. Have a permanent residence in this city or a valid residence certificate;

2. The housing provident fund has been continuously deposited for more than half a year before the application, and the accumulated time for depositing the provident fund is not less than 2 years;

3. The down payment for house purchase is in compliance with the regulations: the down payment for first-hand houses is not less than 20% of the total house purchase price, and the down payment for second-hand houses is not less than 30% of the total house purchase price;

4. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

5. Signed a house purchase contract or agreement;

6. Meet the loan conditions stipulated by the local provident fund management department;

7. Other conditions stipulated by the lending bank;

8. Unemployed workers cannot apply for housing provident fund loans.

Second, the housing provident fund loan process, housing provident fund loan procedures?

1. The borrower can submit a written application for housing provident fund loan and submit relevant materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;

2. The borrower approved by the housing provident fund management department signs a loan contract and a guarantee contract with the loan bank, and handles mortgage registration, insurance, notarization and other related procedures;

3. According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;

4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.

3. Housing provident fund loan interest rate and housing provident fund loan interest?

1. Loan 1-5 years (including 5 years)

The housing provident fund loan interest rate is 3.33%.

2. Loans of 5-30 years (including 30 years)

Housing provident fund loan interest 3.87%

Fourth, the housing provident fund loan amount?

1. The Measures for the Administration of Individual Housing Loans stipulates that the maximum amount of housing provident fund loans shall not exceed twice the amount of housing provident fund paid by the borrowing family members within the retirement age.

2 ordinary commodity housing, affordable housing or less than 80% of the total purchase price.

3. Raising funds to build houses (reformed houses) ≤ 90% of the total purchase price.

4. Second-hand houses ≤ 70% of the total purchase price.

5. House decoration ≤ 60% of the total purchase price.

Verb (abbreviation of verb) housing provident fund loan period?

1. The loan period for commercial housing, affordable housing and fund-raising housing is ≤ 30 years.

2. The term of the second-hand house loan is ≤ 20 years (within the legal service life of the house).

3. Construction, renovation and overhaul of owner-occupied housing ≤ loan term 10 year.

4. The sum of the borrower's age and the loan application period shall not exceed his statutory retirement age in principle.

6. How to repay the personal housing provident fund loan?

1. Repay the loan principal and interest in cash at the loan bank before the monthly repayment date;

2. The borrower shall deposit the monthly repayment amount of principal and interest into the repayment account opened in the loan bank before the monthly repayment date, and entrust the bank to withhold it on his behalf.

7. What information should I submit to apply for housing provident fund loans?

1. Personal loan application for housing provident fund;

2. Identity documents (resident identity cards, household registration books or other identity documents);

3 units issued by the borrower's stable economic income or other solvency certificate;

4. Legitimate and effective procurement contracts, agreements or other approval documents;

5. List of collateral, proof of ownership and proof that the obligee agrees to mortgage;

6. Collateral appraisal report issued by real estate appraisal agency recognized by housing provident fund management department;

7. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

8. Relevant certificates of self-raised funds used by the borrower to pay the down payment for house purchase;

9 other documents and materials stipulated by the housing provident fund management department.