To apply for individual housing provident fund loans, the following conditions shall be met at the same time:
1, with China people's household registration and valid ID card;
2. When applying for a loan, the registered employees in this city have paid the housing provident fund in full 1 year or more, and the non-registered employees have paid the housing provident fund in full for more than 2 years; Non-registered employees who hold the talent green card in this city apply for provident fund loans and enjoy the treatment of registered employees in this city;
3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled;
4. The down payment for house purchase has been paid according to the regulations (the down payment for stock houses requires fund supervision, see point 5 of this guide for details);
5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;
6, housing provident fund deposit priority for repayment of personal housing provident fund loans.
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.
The housing provident fund management center shall not provide guarantees to others.