To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

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1. Provident Fund:

Provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

From July 20 17 1 day, the transfer and connection of housing provident fund in different places are all handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.

20 16, 18 On February 8th, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Account, the deposit interest rate in employees' housing provident fund account was adjusted from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits on February 2nd.

Second, the impact of provident fund payment:

If the provident fund is suspended, the loans already handled will not be affected, but the balance in your provident fund account cannot be withdrawn until it is paid off.

note:

Now that you have cut off the housing provident fund loan, it will affect the loan interest rate. When breaking off diplomatic relations for three consecutive months, the provident fund management center has the right to terminate the provident fund loan contract or implement the commercial loan interest rate. The general housing provident fund management center will first order the outstanding housing provident fund to be paid in full monthly during the loan period.

Refused to pay, from the housing provident fund loans have been issued to recover or implement the commercial loan interest rate. The impact of the suspension of provident fund deposit on loans is mainly manifested in the following two aspects:

(1) Units that are in arrears for more than 3 months (including 3 months) will be suspended from accepting applications for individual housing loans from housing provident funds.

(2) For borrowers who have applied for provident fund loans, according to the Housing Provident Fund Entrusted Loan Contract, the Provident Fund Management Center has the right to terminate the loan contract and require the borrowers to pay off the housing provident fund loans in advance.

Solution: Pay the provident fund as soon as possible, so as not to bring unnecessary trouble to yourself.