Application conditions
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
Materials to be provided for applying for housing provident fund loans
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) Effective guarantee certificate;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
Process of applying for housing provident fund loan in different places:
1. Employees who pay in the place of employment (deposit place) and buy self-occupied housing in the place of residence (loan place) can apply for individual provident fund or lease loan from the provident fund management center in the loan place with the proof of provident fund payment.
2. When accepting the examination and approval of housing provident fund loans in different places, the provident fund management center at the place of deposit shall issue relevant materials such as the deposit of local housing provident fund for employees and their spouses and the loan certificate.
Please refer to the above answers provided by Ronglian Ye Wei.