What are the loan conditions and requirements of Zhengzhou housing provident fund?
First, Zhengzhou housing provident fund loan conditions
According to the Notice of Zhengzhou Housing Provident Fund Management Center on Matters Related to Personal Housing Loan of Housing Provident Fund issued by Zhengzhou Housing Provident Fund Management Center on February 3, 20 19 and relevant regulations, the loan conditions of Zhengzhou housing provident fund are as follows:
1 The borrower and its spouse have legal and valid identity certificates;
2. The prescribed down payment has been paid, down payment+loan amount = total house payment, but the house payment has not been paid;
3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 consecutive months in the near future (except for imported senior professional and technical personnel and retired soldiers);
4. The family has a stable income, a good reputation and the ability to repay the principal and interest of the loan;
5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;
6. The borrower and spouse have no outstanding housing provident fund loans or large debts;
Other conditions stipulated by the housing provident fund management center.
Second, Zhengzhou housing provident fund loan materials requirements
Eligible employees are required to provide the following documents (copied on A4 paper):
1 Two copies of ID cards of the borrower, spouse and owner (if any).
2 2 copies of the household registration book of the borrower, spouse and owner (if any).
3 taxi practitioners to provide a copy of the qualification certificate.
4. Two copies of the borrower's marriage certificate (with relevant agreements).
5. 4 originals of the Commodity House Sales Contract; Two copies of contract information filing summary.
6. Original down payment invoice (second-hand house is the payment voucher for fund supervision) and 2 copies.
7. Two copies of the real estate registration certificate.
8. State-owned Land Use Certificate (full copy) 1 copy.
9 1 copy of pre-sale permit for commercial housing (with attached drawings).
10 copy of the original bank card used by the borrower for repayment 1 copy.
note:
① All copies in the above 1-7 items need to verify the original; Copy of the second-generation ID card, the front and back of which need to be copied on the same piece of paper; A copy of the household registration book must include the home page, the home page and my page;
(2) If buying a house in Zhengdong New District, provide the Personal Mortgage Portfolio of Zhengdong New District Real Estate and the Application for Pre-registration of Pre-purchased Commercial Housing Mortgage in Zhengdong New District.
(3) Non-Zhengzhou City-level depositor of housing provident fund shall provide the certificate of use of housing provident fund loan issued by the housing provident fund management department of the deposit place and the detailed record of deposit.
④ You don't need 5-9 items of materials to buy a second-hand house, but you need the original proof materials such as the real estate license, ID card, household registration, marriage, sales contract, supervision certificate of down payment funds, real estate appraisal report and deed tax ticket of both husband and wife of the seller.
The above is the answer to the loan conditions and requirements of Zhengzhou housing provident fund, and I hope it will help you.