In fact, the provident fund paid by the remittance company for you is exactly the same as that paid when you take your unit to work, which means that you pay as an employee of the remittance company, and you can normally qualify for provident fund loans. However, the approval of provident fund depends on many factors, and the qualification of provident fund loan is only one of the necessary conditions.

To apply for provident fund loans, the following basic conditions shall be met:

The housing accumulation fund has been continuously paid for more than 6 months, and the opening time of the individual housing accumulation fund deposit account is 180 days from the loan application time, and the monthly continuous payment time is 6 months, excluding overdue payment;

The borrower holds legal identity documents and has full capacity for civil conduct;

The borrower and its spouse have good credit records and meet the auditing standards for provident fund loans;

Have a stable economic income and the ability to repay the principal and interest of the provident fund loan on time (the monthly deposit base of the compound provident fund is operated by the bank salary);

There are no outstanding provident fund loans;

There is a real purchase behavior, and the purchase behavior generally occurs within one year, the ownership of the purchased house is clear, the procedures are legal and complete, and there is no legal dispute;

Agree to mortgage the purchased houses with loans, or provide guarantees in the form of government bonds, bank time deposit certificates, securities and other management centers.