1, with a valid household registration or residence permit in the place where it is located;

2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan;

3. There are procedures and contracts. For buying a house, renting a house and decorating;

4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price;

5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

How does the provident fund borrow money to buy a house

1. loan consultation: provident fund borrowers can go to designated banks for relevant consultation and understanding, and then they can start preparing loans and receive provident fund applications;

2. Submit the application for examination and approval: the borrower submits all kinds of purchase contracts, identity documents and other materials to the loan bank; Then the bank approves;

3. Sign a contract after approval: after the bank reviews the borrower's information and determines that the loan can be issued, it informs the borrower to sign the relevant loan contract at the bank;

4. Fair contract, house mortgage: After signing the contract with the bank, the borrower will mortgage the house to the bank and go through the relevant formalities.

5. home insurance: The bank will also insure the mortgaged house, and after all the formalities are completed, the loan funds will be allocated to the selling unit;

6. Repayment on time: the borrower will repay the principal and interest according to the loan term from the next month;

7. Mortgage cancellation: After the borrower pays off all the loans, the mortgage cancellation procedures of the house shall be handled according to legal procedures.

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What are the conditions for using provident fund loans?

Provident fund loan conditions:

1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.

2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.

3. Employees with permanent residence in cities and towns or valid residence identification.

4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;

5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

Under no circumstances can you apply for a provident fund loan.

1. There are outstanding provident fund loans;

2. Use provident fund loans for the third time (inclusive) or more;

3. The purchased house is the third commercial house under the name of the family (including minor children);

4, the purchase of spouse, children, my parents or spouse's parents housing;

5, within two years of divorce, the sale of housing between employees and their original spouses;

6. The property right of the purchased house belongs to people other than the spouse and minor children.

Use of provident fund loan:

1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.

2. Commercial loans are used to repay loans, that is, they are issued together with borrowers in normal transactions.

6, can provide housing provident fund management center approved by the way of guarantee.

What are the conditions for buying a house with a provident fund loan?

Buying a house with a provident fund loan needs to meet the following conditions:

1. The borrower is an individual who normally pays the housing provident fund in the Provident Fund Center;

2. The borrower purchases affordable housing recognized by the lender;

3. Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan;

4. Have a house purchase contract or relevant supporting documents;

5. The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest;

6. The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

What are the requirements for applying for housing provident fund loans?

To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:

1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;

2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;

4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;

5. The applicant has paid the down payment for the house purchase as required;

6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

8. Meet other conditions stipulated by the provident fund management committee.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What are the requirements for provident fund loans?

If the unit helps you pay the provident fund, it will play a great role when you borrow money to buy a house. You can apply for a provident fund loan. But under the precondition, you need to know what conditions the provident fund loan needs to meet. What are the processes?

1. What are the conditions for buying a house with a provident fund loan?

Conditions 1 and 1 are that the lender has full capacity for civil conduct and must be at least 18 years old.

2. The second condition is that you have an urban hukou in this city or provide proof of identity.

The third condition is stable economic income, which is very important. The bank should judge whether you have the ability to repay the loan. At the same time, the bank should also check your credit report and do a good job.

4. The fourth condition is that before the loan, your provident fund will be paid normally, and it will take more than half a year, and some may take two years.

5. The fifth condition is to provide a valid purchase contract or agreement before purchase. The names of the lender and the buyer in the house purchase contract should be the same.

6. The sixth condition is that you need to prepare a down payment before buying a house. For example, the second suite needs to be prepared for more than 40%.

2. What are the procedures for provident fund loans?

1. If you want to apply for a provident fund loan, you need to sign a house purchase contract first, and then you need to fill out an application form to the provident fund center and a personal loan application form.

2. Next, the housing provident fund management center and the bank will review the application form and the information provided by you, and make a decision on whether to grant loans.

3. If it meets the requirements, the bank will sign a loan contract with you and go through the formalities of personal loan. At the same time, the bank will transfer the loan funds to your account or the developer's account.

Bian Xiao concluded: If you want to use the provident fund loan to buy a house, you need to meet the relevant conditions, and at the same time, you must prepare complete information and meet the loan policy before you can go through the loan procedures.

About the requirements of provident fund loan account and the household registration book of provident fund loan? This concludes our introduction. I wonder if you found the information you need from it?