1. If the personal provident fund loan application has been approved and all procedures have been completed, it will not affect the provident fund loan when the individual resigns or the provident fund is suspended or sealed, but the individual should pay attention to saving money in the loan card on time to ensure that there is money in the monthly account to repay the loan, so as not to affect the loan deduction. Bank staff also said that they can continue to provide provident fund loans on a monthly basis without changing commercial loans.
2. If the provident fund is deducted every month or every year, it will have a certain impact; When the balance of personal provident fund is deducted to a certain extent, it can no longer be deducted. Individuals need to go through the formalities and deposit the monthly payment into their personal loan repayment savings card.
What materials do I need to apply for provident fund loans? 1, materials required for new housing provident fund loan.
(1, ID card and household registration book of the applicant and property owner;
(2) Commercial housing sales contracts;
(3) The paid self-raised down payment voucher is usually the down payment;
(4) proof of income of the applicant and spouse;
(5) Proof of marital status of the applicant and spouse (including single certificate,;
(6) Other necessary materials.
2, the second-hand housing provident fund loans required materials
(1, ID card and household registration book of the applicant and property owner;
(2) Commercial housing sales contracts;
(3) The original of the purchased second-hand house property certificate and state-owned land use certificate.
(4) proof of income of the applicant and spouse;
(5) Real estate price evaluation results
(6) Transfer certificate issued by the seller.
(7) Other materials required by the provident fund.
What are the requirements for handling provident fund loans? When applying for a housing provident fund loan, you must first meet the following conditions:
1. Have permanent residence or other valid residence status in this city, and have full capacity for civil conduct.
2. Sign a legal and effective purchase contract or agreement, and pay the down payment according to the specified proportion.
3. Have the ability to repay the loan principal and interest on time and have a stable occupation and income.
4. You can apply for a loan only after paying the housing provident fund in full for 6 months.
5. Personal credit is good.
6. There are no other large debts that can affect the loan repayment ability.
7. The monthly expenses not higher than 50% of the family's monthly income are used to repay all kinds of housing loans, including the individual housing provident fund loans to be applied for. After deducting the monthly repayment expenses, the family's monthly income is not lower than the minimum living guarantee standard of this Municipality.
8. Meet other conditions stipulated by national laws and regulations.