Housing provident fund loans can be used for the second time, provided that I or my spouse have applied for housing provident fund loans and cannot use them again until the principal and interest of the loans are paid off.

Housing provident fund loan object:

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Applicants for housing provident fund loans should agree to apply for loan guarantees and so on. These are all needed to reduce the risk of housing provident fund loans.

Extended data:

Housing provident fund loan process:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

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