Housing provident fund loans need to provide credit reports. If you are unmarried, you can provide it yourself. If they get married, they can provide both husband and wife.

2. I want to buy a house in Kunshan and use the provident fund loan. What conditions do I need?

Kunshan's latest provident fund loan must be paid continuously for one year before it can be loaned.

Provident fund loan

(1) The maximum housing provident fund loan for newly-built ordinary housing is 500,000 yuan, but for borrowers and other single employees who only meet the loan conditions or have no spouse, the maximum loan is 300,000 yuan;

(2) The maximum amount of housing provident fund loans for housing units (second-hand houses) and self-built houses shall not exceed 350,000 yuan, but the maximum amount of housing provident fund loans for borrowers and other single employees who only meet the loan conditions or have no spouse shall not exceed 2 1 10,000 yuan.

The calculation formula of housing provident fund loan amount is adjusted as follows: balance of housing provident fund account of the borrower (including the same borrower) × 10 (times); The loan term is determined according to the monthly repayment amount, which shall not exceed 50% of the monthly deposit base.

If the balance of the borrower's (including the borrower's) housing provident fund account is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan.

3. What are the conditions for buying a house in Kunshan and using a provident fund loan?

To apply for a provident fund loan, you must first have a provident fund account, pay the provident fund continuously for more than one year (in some cases, the second half of the year is enough), and the account has a balance. After that, you can apply for your provident fund loan in your provident fund bank with the purchase contract (regular multiple copies), my ID card, marriage certificate and proof of local housing situation. The whole process needs to be handled by yourself.