First, the housing provident fund application conditions
1. Time of deposit: It varies slightly from region to region, but it is generally necessary for the applicant to establish a housing provident fund account for more than 12 months (inclusive), and at the same time, it is necessary to deposit the provident fund in full for a period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place;
2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old;
3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant provides a guarantee that meets the requirements of these Provisions;
6. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies;
7. Meet other conditions stipulated by the provident fund management committee.
Second, the housing provident fund loan requirements
1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year.
2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment.
3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.
5, a family can only apply for a housing provident fund loan to buy a house at the same time.
6. The lender must have permanent residence or valid residence status in the town of this province (city).
7. Agree to use the purchased house as collateral.