Housing provident fund handling conditions:
Individuals and their units must continue to pay housing provident fund for one year;
The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.