1. The borrower must have valid identity documents, stable occupation and income, good credit status and the ability to repay the principal and interest of the loan.
2. The borrower shall purchase a house that meets the statutory conditions and sign a corresponding contract or agreement. If you are married, you need the signature of both husband and wife.
3. When buying a house, you should first pay the purchase price of not less than the specified proportion.
4. The borrower agrees to guarantee in accordance with the guarantee method recognized by the provident fund center and the entrusted bank.
5. When the borrower applies for a personal housing provident fund loan, there is no outstanding personal housing provident fund loan principal and interest.
6. The borrower shall have no large loans and debts that may affect his ability to repay the loan.
7. The borrower and the unit to which he belongs shall continuously and normally deposit the housing provident fund for a certain period of time (such as more than six months).
Loan process of provident fund first-hand housing and housing construction, renovation and overhaul:
1. Borrowers applying for individual housing provident fund loans need to apply to the provident fund management center or the entrusted bank entrusted by the provident fund management center.
2. The provident fund management center or the entrusted bank entrusted by the provident fund management center shall, after receiving the loan application and various materials that meet the requirements, conduct a pre-loan review of the borrower's relevant situation and make a decision on whether to grant the loan.
3. If the guarantee company provides loan guarantee, the entrusted bank shall forward the loan contract and relevant certification materials to the guarantee company.
4. Where securities are pledged, the borrower shall hand over the securities to the entrusted bank for safekeeping.
5. After the loan formalities are completed, the provident fund management center will issue a loan transfer notice according to the guarantee completion certificate issued by the guarantee company or the pledge completion certificate issued by the entrusted bank.
To sum up, Xi 'an housing provident fund loan application conditions involve identity, income, house purchase contract, down payment, guarantee and many other aspects. Applicants need to ensure that all conditions are met before they can successfully apply for a loan.
Legal basis:
Regulations on the administration of housing provident fund
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.