1. The object of provident fund loan is an individual who has paid the provident fund in full and on time (including employees registered in this city or paid in other places) six months before applying for the loan, bought their own houses in cities and towns in our city, and has full civil capacity.
2. The spouses of employees who apply for provident fund loans have paid the provident fund in full and on time for more than 6 months (including employees registered in this city or employees paid in different places) before applying for loans, and they have full capacity for civil conduct and can participate in the loans together. After the spouse participates in the loan, it shall be regarded as a relationship with the borrower's provident fund loan.
Extended data:
Proportion, amount and term of Chongqing housing provident fund loan
1. The maximum loanable amount of provident fund loans is 80% of the value of the house purchased.
2. Loan amount: The maximum personal loan amount for provident fund loans is 400,000 yuan, and the maximum loan amount paid to employees' families after participating in the loan shall not exceed 1.5 times (600,000 yuan) of the maximum personal loan amount. And the actual loanable amount shall not exceed 25 times of the sum of the balance of the provident fund account of the borrower and spouse, and the monthly debt of the borrower's family (including the provident fund loan applied for this time) shall not exceed 50% of his family's monthly income.
3. The longest term of the provident fund loan is 30 years, and the final repayment period shall not exceed 10 years after the statutory retirement age.
Chongqing housing provident fund management center-Chongqing housing provident fund management center on housing