Sanming loan conditions
1. Have a permanent residence in Sanming City or other valid residence identification in this city.
2. The borrower's unit has paid the housing provident fund in full for more than 6 months.
3. The borrower and his spouse have good credit and the ability to repay the principal and interest of the loan.
4. The borrower agrees to guarantee according to the guarantee method recognized by the housing provident fund management center and the housing provident fund loan bank;
5. The borrower purchased a set of ordinary self-occupied housing (the construction area does not exceed 144 square meters);
6. The borrower has not applied for housing provident fund loans or only applied for housing provident fund loans after 1 in 2003;
* * * Same material
1, copy of ID card;
2. A copy of the household registration book;
3. Proof of marital status;
4, a copy of the housing provident fund passbook;
5, housing provident fund loan application form;
6. Personal credit report;
According to different loan situations, the following materials are also required.
Sanming purchases, builds, rebuilds and overhauls housing loan materials.
Regulations on the administration of housing provident fund
Article 25
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
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.