What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2, with the city's official urban hukou or effective resident status;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4 normal payment of housing provident fund before the loan, and continuous payment for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. The borrower must agree with the purchaser in the purchase contract that the co-owner (except the spouse) who purchases the shared property housing must issue a written commitment to agree to the housing mortgage;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle house mortgage and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Provident fund loan process:
1. The borrower applies for a loan at the acceptance branch;
2. Accepting outlets to inquire about the property status under the family name;
3. Acceptance of outlets;
3. sign a contract;
4. Ratification;
5, the real estate trading center for mortgage registration;
6. Bank loans.