Second, the specific query method, taking Chengdu as an example:
1. Step 1, open any browser (Baidu, Sohu, Quark, 360) and log in to official website, the provident fund management center of this district (search Chengdu Housing Provident Fund Management Center online).
2. Step 2: After logging into the account, enter the account password to inquire about the deposit and balance of personal provident fund.
3. Step 3: Click the page to return to the homepage of the Provident Fund Management Center. There is a "loan calculator" under the column of "convenient service". Let's click to enter.
Step 4: We fill in the corresponding mortgage and provident fund information and click "Query".
5. The results will be returned below to see how much our provident fund can borrow. Although Chengdu is taken as an example, other cities have similar inquiry methods, and all of them can be inquired through official website, the local housing provident fund management center.
Provident fund loan conditions:
1. The lender must have permanent residence or valid residence status in this city;
2. From the date of application, the housing provident fund has been paid in full for more than 12 months (if both husband and wife have paid the provident fund, only one person is allowed to borrow);
3. It is necessary to have contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law;
4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price);
5. The lender has stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit);
6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
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