1, the local housing accumulation fund is paid normally.
2. The loan business only accepts the application of the original mortgage borrower or spouse.
3. The applicant must confirm with the bank that his house loan has not been settled, and settle the loan application in advance. After the bank agrees, the next provident fund loan business can be carried out.
4. The applicant shall ensure that the original commercial housing loan has been repaid for more than 1 year, with a good credit record and no overdue behavior.
5. When the applicant changes jobs, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.
6. The loan amount applied by a commercial bank must be accepted within the maximum loan amount of the housing provident fund loan announced by the local housing provident fund management committee and the remaining amount of the original commercial housing loan. The loan interest rate of commercial banks shall be subject to the loan interest rate of housing provident fund banks.
Generally speaking, employees who normally pay housing provident fund have good personal credit, relatively stable jobs and incomes, and can repay loan interest on time when handling housing commercial loans. They can apply for provident fund loans on the premise of developing local business transfer business.