), when one spouse applies for housing provident fund loans, employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans, and the application conditions for housing loans (provident fund loans).

Experts: I'm going to buy a second-hand house in Qidong, Nantong, Jiangsu, with an area of about 50 square meters. I called the intermediary and said that I would only give a loan if I bought more than 60 square meters, but I didn't have much money on hand and the down payment was not enough. I just need a 50 square meter one. More than 60 square meters, do you still need to ask if you can get a loan? PS: How many square meters can I get a loan for buying a new house? The answer is complete, no difference! ! ! ! ! ! ! ! ! ! ! PS: This is my first suite. I bought a house in Qidong and worked in Shanghai. I have no provident fund. Housing loan does not stipulate how many square meters you can borrow, as long as you meet the loan application conditions, you can apply.

Housing loan (provident fund loan) application conditions:

(1), with valid identification;

(2) 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.

(3) Persons who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the housing provident fund has been continuously paid for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans.

(4) If one spouse applies for a housing provident fund loan, neither spouse may 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.

(5) 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 risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.

Extended data

Loan information that the borrower needs to provide

(1) Valid identification

1. Identity cards of both husband and wife of the borrower (original and two copies);

2. Household registration book (one copy of the original);

3. Marriage certificate (original and photocopy);

4. If you are unmarried, you need to fill in the unmarried statement, and our bank will keep the original;

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (original and photocopy);

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

(2) proof of income or relevant materials that can prove the borrower's income and repayment ability.

1. proof of salary and income: bank standard certificate or unit letter of introduction;

2. Company income certificates issued by general enterprises and limited companies other than administrative institutions, national civil servants and state-owned enterprises. The borrower also needs to pay a three-month bank statement (which needs to be confirmed by the bank seal);

3. Rental income (original and one copy of the lease contract);

4. Other documents of rights (such as certificates of deposit, government bonds, investment insurance policies, etc.). );

5. Private business owners and individual industrial and commercial households must provide business licenses, organization code certificates, tax registration certificates, tax payment certificates for the last three periods and three-month statements of corporate accounts.

Source: sogou encyclopedia-housing loans can be. First of all, you must take the above information to the bank to sign a loan contract with the bank account manager. The bank will investigate the credit information of individuals (married investigators). General bank credit requirements are overdue for three consecutive times or accumulated for six times in two years.

After the first trial is passed, the bank will call to check the authenticity of the work, and after passing, it will inform the bank to sign a loan contract, and then go to the Housing Authority to register the mortgage, usually within 3 days after the mortgage registration (the rest day will be postponed).

Extended data

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Source:-If the mortgagor is China Merchants Bank and accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral, the following conditions must be met:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and problems, which are not within the scope of government planning;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan. Buying a house loan is not based on the size and area of the house. The main mortgage conditions are as follows:

The borrower must meet the following conditions:

(1) has legal identity.

(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.

(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.

(6) Other conditions stipulated by the lending bank. 1. First of all, if you take the provident fund loan, it is usually only related to the account balance and monthly deposit, and has little to do with the area of the house and whether it is a second-hand house;

2. Secondly, if you take a commercial loan, have no black credit record and no mortgage, it is not difficult to apply;

3. Different banks may have different operation methods. It is recommended to go to the relevant bank for details.

Can a house under 30 square meters in Xuzhou be loaned in 2022?

In 2022, if you buy a house below 30 square meters in Xuzhou, you can get a loan as long as it is the first suite, regardless of the area of the house.

What is the area limit of provident fund loans?

Legal analysis: the area requirement of provident fund loan: mainly depends on whether the construction area of the purchased house is within 90 square meters. If the area of the house to be loaned is less than 90 square meters, the down payment only needs to pay 20% of the total house price, and over 90 square meters, the down payment needs to pay 30% of the total house price. 1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

1) Proof of deposit of housing provident fund of the applicant and spouse;

2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity cards and household registration books) and 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 4) valid documents such as house purchase contracts and agreements;

5) Collateral, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral appraisal certificate issued by relevant departments;

6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract;

7) Other materials required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

What are the conditions of housing loan?

1. Individuals applying for housing loans must meet the following conditions: 1. Have permanent residence in cities and towns or valid residence status. 2 have a stable economic income, good credit and the ability to repay the principal and interest of the loan. 3. There are valid contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank. 4. Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee the down payment of the purchased house. 5. Mortgage or pledge assets recognized by the loan bank, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors. 6. Other conditions stipulated by the lending bank.

Is there any requirement on the age and area of the house for mortgage loan?

If there are requirements for the age of the house as a mortgage loan, there are no specific requirements for the size of the area.

For example, if a newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

For those who have purchased and handled the mortgage loan, the original mortgage loan has been repaid for more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year.

Banks also need to meet the following conditions for housing mortgage loans:

(1) has legal status;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) Being able to provide effective guarantee recognized by the loan bank;

(5) Other conditions stipulated by the lending bank, such as the maximum not exceeding 70% of the purchased house price.

Extended data:

Conditions for applying for housing mortgage loan (taking ICBC as an example):

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;

6. Can provide legal, effective and reliable house mortgage recognized by the bank;

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.