Generally speaking, provident fund loan is the best way to save the cost of buying a house, so it is widely concerned by buyers. Then, how to handle the provident fund loan? What are the requirements? How to calculate the quota? What is the loan term? Buyers of these problems need to know clearly in advance, so let's learn more about it with Xiaobian now.

1. What are the requirements for applying for personal housing provident fund loans?

a: (1) having permanent residence in cities and towns; (2) The housing provident fund shall be paid continuously and normally for six months before applying for a loan; (3) It has a relatively stable economic income and the ability to repay loans; (4) Personal loan debts without provident fund and other debts with a large amount that have not been paid off and may affect the repayment ability of loans; (5) The borrower who applies for provident fund personal housing loan must purchase the owner-occupied housing owned by the cities and towns in this city, and the down payment of the house purchase shall not be less than the specified proportion.

2. What materials should I bring to apply for housing provident fund loans?

a: (1) the provident fund account number, identity card and marriage certificate of the principal lender, spouse and borrower; (2) the purchase contract and the down payment invoice of not less than the specified proportion; (3) The account number of the seller or buyer; (4) A copy of the seller's real estate license; (5) proof of income of the principal lender, spouse and participant.

3. How to calculate the individual housing provident fund loan amount?

Answer: For families who buy their own houses for the first time and have two or more people participating in the provident fund loan, the method of calculating the loan quota by the principal lender and spouse (or borrower) is adopted on a household basis. First, the loanable quota of each borrower who meets the loan conditions is calculated, and then the loanable quota of all borrowers is accumulated. The loanable amount of the basic provident fund shall not exceed 4, yuan, and the loanable amount of the supplementary provident fund shall not exceed 1, yuan, totaling 5, yuan.

4. how to determine the loan period of housing provident fund loans?

A: When applying for individual housing loan from housing accumulation fund, the longest period of first-hand housing is not more than 3 years, and the longest period of second-hand housing is not more than 15 years; Apply for personal loans for construction, renovation and overhaul of self-occupied housing provident fund, and the longest period shall not exceed 15 years; Apply for a house purchase loan with additional housing provident fund loans for construction, renovation and overhaul, and the loan period shall be the same as that of the applied house purchase loan. In addition, the above years shall not be longer than 5 years after the statutory retirement time of the borrower.

5. how to apply for housing provident fund loans?

a: (1) the borrower submits a loan application to the management center with the required information; (2) The management center shall review the loan information and interview the applicant, and make a decision on whether to grant or not to grant the loan within 5 working days after accepting the borrower's loan application; (3) The borrower and spouse sign a loan guarantee contract at the entrusted bank; (4) After the loan contract comes into effect, the entrusted bank transfers the loan amount to the borrower's bank deposit account.

The above is the knowledge about provident fund loans compiled by Xiaobian, and I hope I can help you.

(The above answer was issued on December 1, 215, and the current relevant house purchase policy should be based on the actual situation)

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