You can often see the word down payment loan when you look at the house, which is a very important point in the topic of buying a house. Buying a house by loan is a very popular way now, and it is also to solve your own housing problem as soon as possible. From now on, you don't have to leave your hometown. When using provident fund loans, first learn from me how to borrow provident fund mortgage loans. You can often see the word down payment loan when you look at the house, which is a very important point in the topic of buying a house. Buying a house by loan is a very popular way now, and it is also to solve your own housing problem as soon as possible. From now on, you don't have to leave your hometown. When using provident fund loans, first learn from me how to borrow provident fund mortgage loans. What are the requirements for provident fund mortgage loan?

How to borrow provident fund mortgage loan?

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

What are the requirements for provident fund mortgage loan?

1. According to this regulation, the housing accumulation fund actually paid by units and individuals is allowed to be deducted from the personal taxable income within the range of not exceeding the average monthly salary of employees in the previous year 12%. In other words, the personal deduction cannot exceed 12%, and the company contribution cannot exceed 12%, and the two cannot be combined to calculate 24%.

2. The housing lender has a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule;

3. The house lender has self-raised funds of more than 20% of the total price of the house purchased, and guarantees to pay the down payment of the house purchased;

4. The housing lender has assets recognized by the bank as collateral or pledge, or a unit or individual with sufficient compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities;

5. The house lender has a house purchase contract or agreement, and the price of the house purchased basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

The above is how to borrow provident fund mortgage loans. The nature of provident fund mortgage loan is similar to that of commercial mortgage loan. Some friends are familiar with commercial loans, but when they heard that provident fund loans are more favorable, they thought about using provident fund loans. Then the following are the conditions of the provident fund loan. Let's see if our conditions are met first.