2 married borrowers apply for housing provident fund loans, and their spouses are co-borrower, co-debtors and property co-owners.
3, for the same set of housing loans in financial institutions, not for housing provident fund loans.
4, the purchase of owner-occupied housing, with a legal and effective housing sales contract filed by the housing management department (the purchase of housing is limited to the workplace). The loan application is valid from the date of signing the contract (or the date of paying the down payment) to the date of applying for the housing provident fund loan, with a term of no more than one year; Housing construction period of more than two years, can be extended to two years.
5. The down payment for house purchase shall not be less than 20%.
Ordos provident fund loan conditions
1. It has relatively stable professional and economic income, good credit, no other debts and guarantee obligations that affect the loan repayment ability, and has the ability to repay the loan principal and interest.
2. The borrower and spouse have no record of non-performing loans for more than five periods in the last two years (inclusive).
3, the purchase of ordinary self-occupied housing, with a legal and effective housing sales contract (including the first payment receipt) or "all of the housing"; Construction and renovation of ordinary self-occupied housing, with the approval documents of the planning, land and urban construction management departments; Overhaul of ordinary self-occupied housing, with the approval documents of the planning and urban construction management department or the legal and effective housing sales contract (including the down payment receipt) or the "Housing Ownership Certificate" filed by the housing management department.
4. If the first set of ordinary self-occupied housing is purchased, and the construction area of Xing Tao is below 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%; If you buy a second set of ordinary self-occupied housing, the down payment ratio of the loan shall not be less than 50%. The validity period of the loan application shall not exceed one year from the date of signing the relevant contract (or paying the down payment) to the date of applying for the housing provident fund loan; Housing construction period of more than two years, can be extended to three years depending on the specific circumstances.
5. To purchase second-hand ordinary self-occupied housing, there must be a house sales contract notarized by the notary department and the transferred house ownership certificate. You can apply for a housing provident fund loan within two years after the tax bureau issues the deed tax bill.
Legal basis:
Regulations on the administration of housing provident fund
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage of special bank accounts and financial supervision.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.