Take Chongqing as an example, you can apply for a housing provident fund loan by paying the provident fund in full and on time six months or more before applying for a loan.
Spouses of employees who apply for provident fund loans have paid the provident fund in full and on time for 6 months or more before applying for loans, and they have full capacity for civil conduct and can participate in loans. After the spouse participates in the loan, it is regarded as a provident fund loan.
Employees who own two or more houses under the family name, or the balance of provident fund loans between husband and wife is not settled, may not apply for provident fund loans when buying a house again.
Extended data:
Other provisions of Chongqing housing provident fund loans.
1. The maximum loanable ratio of provident fund loans is 80% of the value of the house purchased. The maximum personal loanable amount of provident fund loan is 400,000 yuan, and the maximum loanable amount paid to employees' families after participating in the loan shall not exceed 1.5 times of the maximum personal loanable amount.
2. The actual loanable amount shall not exceed 25 times of the sum of the balance of the borrower's and spouse's provident fund accounts, and the monthly debt of the borrower's family shall not exceed 50% of his monthly income.
3. The longest term of provident fund loans is 30 years, and the final repayment period shall not exceed 10 years after the statutory retirement age.