1, a family can only use the housing provident fund loan twice to buy self-occupied housing;
2. Family members and their spouses have used housing provident fund loans before or after marriage, and the cumulative number of uses by two people or one person has reached the standard of two times, and the third loan will not be accepted;
3. If you need to continuously deposit 12 months, you can use the housing provident fund loan, and those who have already paid can borrow.
Housing provident fund loan application conditions:
1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year.
2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment.
3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.
5, a family can only apply for a housing provident fund loan to buy a house at the same time.
6. The lender must have permanent residence or valid residence status in the town of this province (city).
Legal basis: Article 26 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.