The applicant and the co-applicant shall meet the following conditions:
The employee himself is the provident fund loan applicant, and the spouse is the co-applicant; Parents who deposit housing provident fund in this city can be co-applicants.
Except for spouses, parents and children, employees cannot apply for provident fund loans with houses purchased by other owners.
Employees who purchase affordable housing and commercial housing (residential) and apply for provident fund loans shall meet the following conditions:
1. The applicants and co-applicants who participated in the calculation of the loanable amount of provident fund loans have continuously paid the housing provident fund in full and on time for six months before the month of application (the month of overdue payment is not included in these six months), and they are all in the normal payment state at the time of application; (Co-applicants participating in quota calculation also need to meet the above conditions. If you do not meet the above conditions, you can only be a co-applicant, but you will not participate in the quota calculation).
2. The applicant and the co-applicant have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are co-applicants, both parents have no provident fund loans or have paid off the provident fund loans in this city;
3. Applicants and co-applicants who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant provides a guarantee that meets the requirements of these Provisions;
6. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
7. Meet other conditions stipulated by the provident fund management committee.
Down payment ratio of provident fund loans:
1) If an employee's family purchases the first set of housing below 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%;
2) For the first home with an area of over 90 square meters, the down payment ratio shall not be less than 30%;
3) The down payment ratio for purchasing the second suite shall not be less than 60%;
4) If you apply for provident fund portfolio loans, you must also comply with the credit policies of commercial banks.
Note: When the loan applicant applies for provident fund loan, the number of housing units is calculated based on the family with the largest number of housing units in the name of the applicant and the co-applicant. Finally, the number of existing housing units is determined by the family with the largest number of housing units in the loan applicant's family (family members include both husband and wife and minor children).
Loan currency and loanable amount:
The loanable amount of the provident fund loan is 12 times of the balance of the housing provident fund account of the applicant and the co-applicant, and meets the following requirements:
1. The monthly repayment amount of the loan (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are co-applicants and co-applicants who deposit the housing provident fund in this city, the deposit base of the housing provident fund shall be the sum of the deposit bases of the applicant and the co-applicant (parents may be co-applicants).
2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
The down payment ratio of the first suite with an area of less than 90 square meters (including 90 square meters) purchased by employees shall not be less than 20% of the total purchase price; For the first set of housing with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second set of housing shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)
3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and the co-applicant jointly apply and the co-applicant participates in the quota calculation, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the spouse of the applicant fails to pay the provident fund or can only be used as a co-applicant for less than six months, the maximum amount of the loan is 500,000 yuan).
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the Center).
Repayment method:
If the loan term is less than one year (including one year), the loan will pay interest on a monthly basis and repay the principal in one lump sum at maturity; If the loan term exceeds one year, you can use two monthly installment repayment methods, namely equal principal and interest or average capital.
Loan term:
The loan period of the provident fund shall be in years, and the longest loan period shall not exceed 360 periods (30 years), and the sum of the loan period and the actual age of the employee (applicant) when applying for the loan shall not exceed 70 years. If it is a business-to-public loan, that is, the sum of the repaid loan term of the original commercial housing mortgage loan and the business-to-public loan term does not exceed 30 years.
Application materials:
Applicants and co-applicants can make an appointment to apply for provident fund loans through the online service hall of the provident fund center, or go directly to the service hall of the management department of the provident fund center, and provide the following basic materials:
Housing provident fund joint card;
(2) valid identity documents;
(three) proof of marital status (marriage certificate or no marriage certificate);
(4) Copy of house purchase contract, down payment certificate, real estate license and seller's ID card (second-hand house);
(5) Original and photocopy of the debit account (bank debit card or passbook) of the entrusted bank;
Other materials required by the provident fund center;
(seven) proof of the borrower's family property inquiry issued by the property rights registration center (both husband and wife, minor children);
(8) Non-registered families in this Municipality provide tax payment certificates that have been paid continuously in this Municipality for more than 1 year.
If the parents of the loan applicant are co-applicants for provident fund loans, they should also provide the household registration book or the lineal relatives certificate issued by the public security department or notary office.
The application form for provident fund loans and other materials shall be signed by the applicant and the co-applicant in the office hall of the management department of the provident fund center, and cannot be signed by others.
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