In addition, before the loan, the provident fund is in a normal state of deposit, such as being sealed up or paid off. If diplomatic relations are broken, some regions stipulate that the corresponding period can be reached after the payment is made, and loans can also be made. Consult the local housing provident fund center for details.
It should be noted that the deposit time and deposit status are only one of many conditions for provident fund loans. To successfully apply for a housing provident fund loan, the following conditions are also indispensable for the applicant, otherwise the loan may be rejected.
1, down payment with its own funds. The down payment ratio will vary according to the number of houses. Generally, the down payment for the first home loan is 30%, and the second suite is 40%. Self-owned funds should be the reasonable income of the applicant and his family, not the funds obtained through borrowing and other channels.
2. The materials should be prepared. It usually includes the lender's ID card, household registration book, house purchase contract, education certificate or title certificate, marriage certificate, down payment invoice, etc.
3. The number of houses cannot exceed 2 sets. Provident fund loans can only buy two suites at most. If the first suite was a provident fund loan before, it must be settled before the second suite can be bought with a provident fund loan.
4. Good credit information and stable solvency. People with bad credit records had better wait for the credit information to improve before lending.
5. You can't be the guarantor of other people's provident fund loans, and you can only borrow if you cancel your guarantor status.
When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through the data of "Xiaoqi Credit Information", and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving traces.
Extended data:
How long can the provident fund pay enough loans?
If you want to apply for a housing provident fund loan, the borrower's housing provident fund generally needs to be paid on time for more than 6 months. If it is less than six months, you can't get a loan. Also, the housing provident fund account of the month must be in a normal deposit state.
We also need to note that if you have already bought a suite with provident fund loans and bought a second suite this time, then if the previous provident fund loans have not been paid off, you can't get a loan, and you can only apply for a second suite loan after paying off the provident fund loans.
Also, use the provident fund to buy a second suite, regardless of whether the provident fund loan is paid off, you can't use the provident fund loan to buy a third suite. If you are married, the provident fund loan under your spouse's name will also be included.
Because some places have the conditions to buy a house, not only must the provident fund be paid continuously for more than 6 months, but also the time for social security payment. For example, in Beijing, foreigners who are not registered in this city have no housing in this city. If they want to buy a house, they have to pay social insurance or personal income tax for more than 60 months in this city on time.