Provident fund loan conditions: 1, with permanent residence or valid residence status in the city applying for provident fund loan; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) when applying for the provident fund loan, and the housing provident fund in their account has not been used this time; 4, provident fund loans in the city to apply for provident fund loans to buy self-occupied housing, there must be a legal purchase contract or agreement; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. Provide guarantees that meet the legal requirements. If the payment of housing provident fund is interrupted halfway, resulting in the failure to pay the housing provident fund in full for six consecutive months, even if it is completed, you cannot apply for a provident fund loan. The solution now is to continue to pay the housing provident fund in full and then apply for it for six months in a row.
Legal basis:
1. Does Guangzhou's new provident fund policy require provident fund loan approval 1? According to the Operation Guide of Guangzhou Housing Provident Fund Online Service Hall (Personal Edition) (hereinafter referred to as "Guide"), the approval authority of housing provident fund loans is changed to general business approval of the center, and it will not change because of whether it belongs to administrative licensing matters, and the handling process and approval procedures of housing provident fund loans remain unchanged. It can be seen that the new Guangzhou provident fund policy requires the approval of provident fund loans. 2. For employees who apply for housing provident fund, the process and approval procedures for applying for loans have not changed. At present, the approval and issuance of housing provident fund loans in Guangzhou are carried out in accordance with normal procedures. Second, how to handle the latest edition of the Guangzhou Provident Fund Personal Housing Mortgage Loan Business Guide shows that the provident fund loan is divided into seven steps: the borrower submits a loan application to the undertaking bank, the bank receives the information and preliminarily reviews the contract generated by the provident fund center, scans the mortgage information, and the bank size approves the scale of the provident fund center, and conducts financial review on the bank loan and returns the loan information. It is worth mentioning that the loan application materials are complete, and the review time limit is no more than 15 working days, but it does not include the time for handling formalities in banks, trading departments and developers. According to the guidelines for provident fund loans, citizens still need to submit seven documents for provident fund loans. These include: personal housing provident fund loan application form, resident ID card, household registration book and other valid documents, proof of marital status, house purchase contract, down payment invoice or receipt, deposit receipt, income certificate, mortgage account (the mortgage account provided by the borrower must be a local bank account, ID number is 18), proof of personal property status, personal credit report, and other documents and materials required by the undertaking bank.