Individual urban workers and their units must continue to pay housing provident fund for one year.

Housing provident fund loan conditions If a borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment for the purchase.

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.

If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.

A family can only apply for a housing provident fund loan to buy a house at the same time.

Lenders must have permanent residence or valid residence status in towns of this province (city).

Agree to use the purchased house as collateral.

The calculation formula of housing provident fund loan amount is:

[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month). ?

Use spouse quota:?

[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month). ?

Among them, the repayment ability coefficient is 40%?

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). ? Materials required for housing provident fund loan: valid identity documents of the borrower and spouse, household registration book (if any) (the second-generation identity card needs to copy the back page, and the household registration book should copy the title page, the first page of the household registration book, the borrower and spouse page).

Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates.

The original purchase contract signed by the borrower and the selling unit.

The borrower and his/her spouse (married) * * * fill in the loan application form, the housing accumulation fund deposit certificate issued by the unit, the salary income certificate of the last year, and the borrower's bank card.

The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in the agreement.

Preliminary examination of housing provident fund loan process: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.

Appraisal: The applicant takes the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center, and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

Sign a loan contract.

The housing fund management center signed an entrusted loan agreement with the entrusted bank.

The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

The housing fund management center shall sign an entrusted loan contract with the entrusted bank after verifying the amount, term and interest rate of each loan.

In accordance with the entrusted loan contract, the trustee shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.