Housing provident fund account for more than one year, and continuous deposit for 6 months;

Still in the "deposit state";

There are no unclean provident fund loans and no policy discount loans.

In addition, there are two situations where you can apply for provident fund loans: retired employees or renovated houses.

2. The house you buy must be a 70-year-old house.

Applying for a commercial loan depends on the specific requirements of the bank. Under normal circumstances, banks will impose restrictions on borrowers, houses and sellers.

1, borrower

Having legal and valid identification;

Stable employment and income;

Proof of income that can pay twice the monthly payment;

Some banks don't accept loans from minors to buy houses.

In addition to legal identity and good credit, the most important thing is:

Age 18-65 years old; Proof of stable income; Purchase contract or purchase agreement.

2. The seller

If the seller is divorced, it is necessary to specify the ownership of the property in the divorce agreement or court judgment.

If property ownership is not involved, the former spouse is required to be present.

If the seller is a minor, some banks will not accept it.

3. purchased houses

There are restrictions on the address of the houses purchased, and some banks do not accept houses in remote suburban counties;

The house is mortgaged, and some banks will not accept it.

When buying a house with a portfolio loan, we must pay attention to our own conditions and the house we buy must meet the requirements of both commercial loan banks and provident fund loans, and choose the intersection of the two.

1, nature of the house

Commercial loans also accept more types of houses; Provident fund loans only accept houses with 70-year property rights.

2. Residential areas

Commercial loans require housing area. Generally, banks will not accept houses smaller than 30m2 (and the housing area will affect the down payment ratio of commercial loans). No provident fund loan is needed.

3. Is the house mortgaged?

Commercial loan banks can generally accept mortgaged houses, as long as the mortgage can be lifted before the transfer; Provident fund loans need to be mortgaged first and then evaluated.

4. Term of loan

The loan life of commercial loans is related to the age of the house and the life of the lender: the specific requirements of banks are different.

The calculation of the loan period of provident fund is related to the age of the house, the age of the borrower and the type of house structure. When applying for portfolio loans, borrowers need to ensure that the terms of commercial loans and portfolio loans are the same.

5. Time when the seller accepts the final payment

Compared with buyers who choose pure commercial loans and pure provident fund loans, portfolio loan sellers take longer to get the final payment.

Under normal circumstances, the seller is in the process of changing houses, or there are other things that need money urgently, and will not agree to the buyer's taking a combined loan to buy a house.