1. Both husband and wife can use provident fund loans at the same time.
When applying for a loan, both husband and wife need to provide ID cards, marriage certificates, purchase payment vouchers, income certificates of both parties, purchase contracts, down payment certificates, housing provident fund deposit certificates and other materials.
However, the specific loan amount of each couple who borrow housing provident fund is determined by the loan bank and the fund management department of the Housing Reform Commission in combination with the borrower's loan repayment ability.
2. It is worth noting that if the husband and wife jointly apply for provident fund loans, then the loan amount is calculated according to the balance of provident fund paid by two people, which is much higher than the amount applied for by one person.
However, the amount of housing provident fund loans for both husband and wife is calculated according to the coefficient that cannot be higher than the repayment ability of both husband and wife.
3. Only the husband and wife have never borrowed the housing provident fund or paid off the provident fund of the previous loan can they apply.
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Provident fund loan conditions
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months.
Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.
3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off.
Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.
When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.
Most cities have customized the relevant conditions of housing provident fund loans.