1. The housing accumulation fund has been paid continuously and normally for more than six months.
2. The property purchased by the original commercial loan is commercial housing (excluding second-hand housing).
3. Has obtained the "Property Ownership Certificate".
4. The repayment must be over one year, and the default of the repayment records of the last 24 installments of the original commercial loan shows no more than two consecutive installments or four cumulative installments.
Required information:
1. The repayment details of the last 24 installments issued by the original lending bank, if not more than 24 installments, provide all repayment records (including monthly repayment details, default interest, compound interest, etc. ) and stamped with the bank seal;
2. Two copies of the original loan contract, mortgage contract and house purchase contract;
3. Two copies of the real estate license;
4. Two copies of husband and wife's ID card, household registration book and marriage certificate;
5. Divorced persons shall provide 2 divorce certificates (court civil mediation or judgment, with valid judgment served or issued by the court);
6. Two original income certificates issued by both husband and wife units (sealed by the competent department of wages);
7. The accounting department of the borrower's unit provides an eight-digit personal provident fund account number, such as "10". Note: Keep a copy of the original inspection in items 2-7 above.
Treatment process
1. Two statements are issued by the original lending bank, stamped with the bank seal, and then taken to the window of the provident fund hall for review.
2. After approval, go to Zheng Xin to guarantee the relevant procedures (evaluation, guarantee, mortgage, etc.). ).
3. Finally, go to the provident fund hall to handle the relevant loan procedures (sign the loan contract).
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.
The housing provident fund management center shall not provide guarantees to others.