Yes, 1. Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
The second is the conditions for handling housing provident fund;
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Three, the housing provident fund management process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
Two, both husband and wife have provident fund, can only use one of the provident fund loans?
You can use the other party's provident fund loan.
Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
3. Only one spouse can have provident fund loans?
1. What are the loan conditions for the husband and wife provident fund?
1. Both husband and wife applying for housing provident fund loans must meet the following conditions:
2. Both husband and wife must pay the provident fund, and there is a certain amount of housing provident fund in the housing provident fund account;
3. Both husband and wife must continuously deposit housing provident fund 1 year or more;
4. So far, neither husband nor wife has any housing provident fund loans to repay, that is to say, neither has borrowed housing provident fund nor paid off the previous loans;
5. The real estate license purchased by the housing provident fund loan must have the names of both husband and wife;
6. When both husband and wife apply for housing provident fund loans, they need to provide their marriage certificates.
Second, can only one party of the husband and wife provident fund borrow money?
1. Many people who have not paid the provident fund or opened an account for less than 6 months or 12 months cannot apply for provident fund loans. If only one of the husband and wife pays the provident fund, both husband and wife can apply for a provident fund loan to buy a house.
2. Because two people are married, they can apply for provident fund loans together. Set the party who has paid the provident fund as the main lender, and issue two income certificates at the same time to increase the loan amount, and then the husband and wife will jointly repay the mortgage.
3. The provident fund personal housing loan policy stipulates that if both husband and wife borrow money to buy a house and one of them applies for a housing provident fund loan, the spouse cannot apply for a provident fund personal loan before paying off the loan principal and interest. Therefore, couples cannot apply for provident fund loans to buy a house alone.
In short, the above is mainly about the conditions of husband and wife provident fund loans, and whether only one party can borrow husband and wife provident fund. When young couples apply for housing provident fund loans, they can go to our district provident fund center in advance to inquire. Another thing to note is that during the repayment period, what should I do if there is a contradiction between husband and wife? These are all things that should be noted.
4. How much can a husband and wife borrow if only one of them has provident fund?
Yes, but you must pay the provident fund or open an account for 6 months or 12 months before you can apply for a provident fund loan. At the same time, if only one spouse pays the provident fund, both spouses can apply for a provident fund loan to buy a house. Because they are married, they can apply for provident fund loans together, set the party who has paid the provident fund as the main lender, and issue income certificates for both of them to increase the loan amount, so that the husband and wife can repay the mortgage together in the future. It should be noted that if both husband and wife use the provident fund loan amount of both husband and wife during their existence, they should settle the original loan before they can apply again. What conditions do individual housing provident fund loans need to meet? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.