Housing provident fund loans can be applied at the outlets designated by any of the eight banks, including China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank, Bank of Communications, Nanjing Bank, China CITIC Bank, China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Huaxia Bank, China Everbright Bank, Jiangsu Bank, China Guangfa Bank, Zijin Rural Commercial Bank and Postal Savings Bank.

Second, the provident fund loan conditions:

1, with legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4, with a legal and effective purchase contract, agreement or the real estate administrative department issued the "all of the housing";

5. When purchasing a house, a down payment of not less than 30% of the total price of the house has been paid;

6, construction, renovation, overhaul housing, can pay 30% of the total cost of construction, renovation, overhaul housing upfront costs;

7, new construction and renovation of houses, approved by the planning and land management departments;

8, overhaul housing, approved by the planning and management department;

9, can provide effective guarantee approved by the management center;

10, other conditions stipulated by relevant laws, regulations and policies.

Extended data:

Loan process

I. Consultation of loan applicants

The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

II. Preliminary review and evaluation

The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

Three, the loan applicant waiting for telephone notification.

1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.

2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid;

If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.

Four. The loan applicant signs the relevant contract.

1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

Verb (abbreviation for verb) bank loan

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

VI. Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.

A week after the announcement of the "National Five Articles" Beijing Rules, the new policy of Beijing provident fund loans and the mortgage policy of Beijing Commercial Bank also landed.

On April 8, 20 13, the Beijing Housing Provident Fund Management Center and the business management department of the central bank issued notices respectively, stating that when buyers use provident fund loans or Beijing Commercial Bank to apply for second-home loans, the down payment ratio will be increased from 60% to 70%.

From April 8, 2065438 to April 8, 2003, the purchase of houses through online signing was implemented in accordance with the new policy.

Baidu encyclopedia-provident fund loan