Now many people will apply for provident fund loans when buying a house. As long as you meet the application conditions, you can succeed. The interest rate of mortgage loan is much lower than that of commercial loans of banks, which can save a lot of interest. Today, I will introduce the application conditions of Qingdao provident fund loan, and users from other regions will go directly to the local provident fund management center for consultation.

I. Application conditions

1. Employees with full capacity for civil conduct who have paid housing provident fund shall have legal and valid identity certificates;

2. Meet the deposit conditions of housing provident fund for loan application;

3. It has a legal and effective house purchase contract (agreement) or other supporting documents, and the down payment ratio of house purchase meets the requirements of housing provident fund loans;

4 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan according to regulations;

5. Agree to guarantee according to the guarantee method recognized by the Housing Provident Fund Center;

6. The loan applicants (spouse and borrower) have no outstanding provident fund loans;

7, laws, regulations, rules and other conditions stipulated by the housing provident fund center.

Second, the application materials

Personal housing loan application form, resident ID card, residence booklet and other valid identity documents, proof of marital status, proof of house purchase, down payment certificate, loan repayment card, personal credit report, proof of off-site loan, guarantee materials, proof of income, and proof of family housing.

Third, the application process

1. Applicants can call the customer service hotline 12329 or go to the housing provident fund management office of the jurisdiction for consultation with their own and spouse's ID cards;

2. The applicant logs into the online business hall of Qingdao Housing Provident Fund Management Center for personal ordinary edition (professional edition) and pre-applies for registration according to the type of house. If the developer submits the loan application materials centrally, the developer can log in to the real estate development unit version, and the developer can apply for registration in advance.