Rural self-built houses can use provident fund loans, but it must be determined that the homestead of rural housing is under the name of the person or spouse. Workers who purchase or build self-occupied housing and apply for housing provident fund loans shall meet the following conditions:

1. The housing accumulation fund has been continuously paid for 6 months before the month of applying for the loan;

2 self-owned funds to pay for the purchase (construction) house price shall not be less than the prescribed proportion, and loan guarantees may be implemented;

3. It has stable economic income and loan repayment ability, and its personal credit status is good;

4 housing provident fund loans have not occurred or have been fully paid off.

The following materials need to be provided: the construction project planning permit or corresponding normative text of the construction planning department at or above the town level, another complete set of houses (without loans and mortgages) including houses owned by third parties as collateral (confirmation of real estate price issued by guarantee institutions), identity cards, relationship certificates issued by units, provident fund cards and other materials.

Extended data:

Provident fund loan process:

First, the loan applicant consults. The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

Two, preliminary examination and evaluation, the loan applicant to the loan handling department to apply for housing provident fund loans, provident fund loans for preliminary examination. In accordance with the provisions of the need for personal credit evaluation of loan applicants, loan applicants should sign the "Letter of Credit Evaluation" under the supervision of the staff of the loan handling department.

The staff of the loan handling department prints the relevant documents and tells the loan applicant how to go through the next procedure. According to the regulations, if it is necessary to evaluate the housing purchased by the loan applicant, the staff of the loan handling department shall also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent shall apply for mortgage evaluation to the evaluation institution designated by the housing provident fund management center.

3. The loan applicant waits for the telephone notice, and the staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. After the guarantee is passed, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract and the materials to be carried.

4. The loan applicant shall sign relevant contracts. According to the interview time notified by telephone, the loan applicant will go through the signing formalities at the loan handling department with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

Verb (abbreviation of verb) bank loan: the borrower waits for the bank loan, and then goes to the bank to get the borrower's relevant contract documents.

Six, monthly repayment, the loan applicant in accordance with the provisions of the "loan contract", monthly repayment of loans.

References:

Baidu encyclopedia-provident fund loan