To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:
1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;
2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;
3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;
4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;
5. The applicant has paid the down payment for the house purchase as required;
6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;
7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
8. Meet other conditions stipulated by the provident fund management committee.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for provident fund loans?
The conditions of provident fund loans are: the borrower has good credit and a stable occupation and income; The borrower has permanent residence or valid residence status in cities and towns, and has participated in the housing provident fund system; The borrower has a house purchase contract, and both husband and wife have no outstanding housing provident fund loans and housing provident fund policy discount loans.
Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
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What are the requirements for provident fund loans?
1. Residents with permanent residence in this city or other valid residence identification documents;
2. The borrower and all employees of his unit have paid the housing provident fund in full for more than half a year; Pay two years of provident fund for less than half a year;
3. The purchased owner-occupied housing conforms to the national, provincial and municipal mortgage policies (the second part needs to be met);
One * * * nine articles.
4. The down payment of the purchased house reaches the proportion stipulated in the national mortgage policy;
5. Have a stable income source to repay the principal and interest of provident fund loans on schedule, and have a good reputation;
6. There is a legal and effective commercial housing sales contract or purchase agreement;
7. The borrower must be the property owner agreed in the commercial housing sales contract or purchase agreement;
8. There is a guarantee method recognized by the provident fund center;
9 laws and regulations and other conditions stipulated by the provident fund center.
What are the requirements for provident fund loans?
Provident fund loans need to be at least 18 years old to buy a house. At the same time, they also need to have a record of participating in local social security. The exact time varies from city to city.
1. What are the requirements for housing provident fund housing loans?
1, age 18, with full capacity for civil conduct.
2 to participate in the housing provident fund system and pay the housing provident fund in full and on time for more than six months (inclusive) of urban workers. The housing provident fund account in the month of application is also in a normal deposit state.
3. Have permanent residence or valid residence status in the local area.
4. You have never had a housing provident fund loan in your name or the loan has been settled (if you have applied for a housing provident fund loan twice, you can't apply for a housing provident fund loan no matter whether the loan is paid off or not).
5. Have a stable and legal income source, have the ability to repay the loan principal and interest on schedule, and provide at least twice the mortgage repayment every month.
6. Self-raised funds not less than 30% of the total price of the house purchased shall be used as the down payment for the house purchase.
7. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information of customers in the past two years)
What are the requirements for applying for housing provident fund loans?
To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:
1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;
2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;
3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;
4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
5. The applicant and the * * who participated in the calculation of the loanable amount of the company loan have the ability to repay the loan principal and interest together with the applicant, and there is no loans overdue record in the six months before the original commercial housing loan application month, and they meet the credit status standards stipulated by the Provident Fund Center;
6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;
7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
8. Meet other conditions stipulated by the provident fund management committee.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for provident fund loans?
Legal analysis: First, the specific conditions of provident fund loans.
1, with China people's household registration and valid ID card.
2. When applying for a loan, the housing provident fund has been fully paid for more than 6 months (inclusive).
3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and the mortgage or guarantee procedures can be handled.
The down payment of the house has been paid according to the regulations.
5 with full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the principal and interest of the loan.
6, housing provident fund deposit priority for repayment of personal housing provident fund loans.
Second, the provident fund loan to buy a house process
1. Submit the application for provident fund loan. If it is necessary to use the provident fund loan, the lender needs to submit a loan application to the provident fund management center in the city where it is located, and provide the information needed for the loan.
2. Preliminary review of provident fund loans. After receiving the lender's loan application, the provident fund management center will review the lender's qualification, loan amount, loan term, loan information and other information and put forward opinions.
3. Sign the provident fund loan contract. After the lender passes the audit of the provident fund center, it receives the notice from the loan signing bank. At this time, the borrower only needs to carry ID card, household registration book, bank account number and other materials within the specified time to go through the loan contract signing procedures at the signing bank.
4. home insurance and mortgage registration procedures. After signing the loan contract with the bank, the lender must go through the insurance and mortgage registration formalities according to the regulations, but the expenses incurred in the process of handling shall be borne by the lender itself.
5. Wait for the provident fund loan. After the lender goes through the mortgage registration formalities, the loan contract will also take effect. The bank will transfer the loan to the designated account according to the date agreed in the contract and send the loan receipt to the lender.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.