loan object: the depositor who applies for a housing loan (hereinafter referred to as the borrower) shall pay the housing provident fund in full and continuously for more than 6 months (inclusive), and still pay the provident fund normally when applying for a loan, and have full capacity for civil conduct.

Criteria for determining the continuous full payment for more than 6 months (inclusive),

1. Continuous full payment refers to the recent period before applying for a loan. Unusual overdue payment and wholesale payment within these six months are considered as not meeting the conditions of provident fund loans.

2. The calculation time of the last six months: from the month before the loan application, it will be pushed forward for six months;

3. The provident fund paid six months before applying for a loan must go through the examination and approval procedures of the housing provident fund management department before it can be counted in the loan amount, but it cannot be used as a condition for applying for a loan.

4. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than six months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

5. If the depositor has several housing provident fund deposit accounts in our city, and the same account has been deposited with housing provident fund for less than 6 months, the accounts should be merged before applying for a loan.

Loan conditions

To apply for a housing loan, the borrower should meet the following conditions:

(1) Having a permanent residence or valid resident status in this city. If you are employed in a different place, you should hold the Certificate of Deposit and Use of Housing Provident Fund for Employees Loaned in Different Places issued by the Deposit City Provident Fund Center.

(2) Both husband and wife have never enjoyed the housing provident fund loan or have paid off this loan, and buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.

(3) The borrower should have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on time. Apply for a portfolio loan, and the down payment ratio meets at the same time? Center? And relevant laws and regulations of commercial banks,

(5) having valid certification materials for purchasing, building, rebuilding and overhauling self-occupied houses in accordance with relevant laws and regulations,

(6) being able to provide loan guarantee in accordance with relevant laws and regulations of this method,

(7) other conditions of laws and regulations,

restrictions on the number of housing units and the number of provident fund loans:

(1)

(2) The housing provident fund management center shall not issue housing provident fund personal housing loans to paid employees who purchase third or above houses.