(1) The borrower has a local account;
(2) I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);
(3) have a stable professional income, good credit, and the ability to repay the principal and interest of the loan;
(4) There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;
(5) The assets stipulated in the Guarantee Law are mortgage or pledge of loans;
(6) Agree to apply for house purchase guarantee or mortgaged property insurance;
(seven) agreed to other conditions stipulated by the housing provident fund management center.
When these conditions are met, provident fund loans can be handled in the following ways:
Step 1, the applicant takes the commercial housing sales contract or loan contact form to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form; Step 2: The applicant takes the ID card of himself and the auxiliary borrower, the household registration book (marriage certificate is required if the household registration books are not together), the commercial housing sales contract and the completed loan application form to the center to review the loan amount and calculate the payable expenses;
Step 3: The applicant shall submit the following materials to the center: loan application form, original house purchase and sales contract, 4 original house purchase and sales contracts, house purchase and sales approval, 6 maintenance fund receipts, 3 house payment receipts (receipt amount = total house payment-loan amount), 4 ID cards of the purchaser, 0 copies of spouse ID card, 0 copies of husband and wife household register, and pay relevant fees.
Step 4, the applicant withdraws money from the correspondent bank window of the center on the specified date and receives the receipt.