Provident fund loan conditions:

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2, continuous normal deposit of housing provident fund for more than twelve months;

3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;

4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Provident fund loan processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

2. What are the conditions for Foshan provident fund loan to buy a house?

What conditions do individual housing provident fund loans need to meet?

1. The borrower has a complete civil act.

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or judgment for the purchase of owner-occupied housing.

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing payment guarantee and related credit report materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Provident fund loan

1. The borrower applies for a loan at the acceptance branch;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4 approval of housing provident fund loans required information is as follows:

1. Approval Form for Housing Provident Fund Loan Application or Lead Application in triplicate (to be filled in at the local housing provident fund management center);

2. Borrower and spouse and 3 copies; Original and 3 copies of single and divorce certificates

3. A legal and valid copy of the original photo of the house purchase contract, 3 copies of the pre-sale payment of the commercial house, a copy of the sales license of the commercial house, a copy of the completion acceptance certificate and a copy of the big house certificate;

4. Where mortgage or pledge guarantee is involved, the original ownership certificate of mortgaged property or pledge right and three original written certificates of consent of the third owner to mortgage (pledge) shall be provided;

5. Three originals of the written commitment to guarantee and three copies of the guarantor's business license, financial statements for the last three years, qualification certificate and credit certificate. );

6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment forms, etc.). ) paid by the borrower.

3. What are the loan conditions of Foshan Provident Fund?

The loan conditions are: (1) The borrower is an employee who has paid the housing accumulation fund in our city; If the housing provident fund is not paid in our city (paid by employees in different places), the borrower or spouse is registered in our city, or the borrower's spouse pays the housing provident fund in our city and conforms to paragraph (2) of this article. Judging the deposit place, household registration place and marital status of housing provident fund is based on the situation at the time of loan application. (2) The housing provident fund has been paid in full in the first six months from the month when the loan was applied, and it has been 1 year since the housing provident fund was paid in full on time. If the personal data (or personal account) is cancelled, the personal data will be reopened, starting from the month when the funds are paid. All talents and cadres who meet the requirements of the Notice on Introducing Senior Talents to Implement the Pilot Reform of Housing Commercialization in Foshan (Fofu [1998] 122) can apply for loans without being limited by the payment period after starting to pay the individual housing provident fund. (three) the purchase of housing, construction, renovation, overhaul of housing, lack of funds. (four) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan. (five) can provide real estate as collateral for loans in accordance with the provisions of these measures. Article 9 of the Measures for Housing Mortgage Loan of Foshan Housing Provident Fund shall be subject to the signing of mortgage loan contract and the completion of mortgage procedures. After the entrusted bank delivers it to the municipal housing provident fund management center, the municipal housing provident fund management center will transfer the loan funds into the special account designated by the entrusted bank within 2 working days. The entrusted bank shall issue the loan within 5 working days and transfer the funds to the account designated by the seller.

4. Can Foshan Provident Fund pay the down payment?

Foshan provident fund cannot be used to withdraw the down payment for buying a house. After the loan is completed, you can take the loan contract and other materials to the provident fund center to withdraw funds.