1, a natural person with full civil capacity who has reached the age of 18.
2. When applying for a loan, the housing provident fund will be remitted normally. It is estimated that individuals have paid the housing provident fund for six months in a row, and the first remittance time has reached six months. The first remittance is based on the date of the daily report of funds. Leading innovative and entrepreneurial talents introduced by our city (including board secretaries, chief financial officers, securities affairs representatives and other professionals of listed companies with share reform) may appropriately relax the requirements for continuous deposit of provident fund.
3. I can provide valid proof materials such as purchase, construction and overhaul of self-occupied housing.
4 have a stable income, good credit and the ability to repay the principal and interest of the loan on time.
5. The guarantee shall be handled in accordance with the guarantee method recognized by the Provident Fund Center.
6. There are no outstanding housing provident fund loans.
Extension:
List of materials required for second-hand housing loan (the following materials must be provided in original)
1, ID card
All borrowers are required to provide identity documents (foreigners provide passports).
2, housing provident fund savings card
If the borrower verifies that the ID card information (name and ID number) is consistent with the registration information of the central business system through the online service hall or service window of the center, he may use the ID card instead of the provident fund deposit card.
3. Property certificate (or house ownership certificate and land use right certificate)
The original or photocopy of the original title certificate (or ownership certificate and land use certificate) shall be provided before the house is transferred, and the original title certificate (or ownership certificate and land use certificate) shall be provided after the house is transferred. The original is returned after examination.
4. Stock house sales contract
The sales contract is legal, valid, complete and neatly bound. If there is a supplementary agreement, it shall be provided together.
5. Deed tax payment book
Apply for a loan within two months from the date of deed tax payment. Second-hand houses supervised by funds shall be replaced by fund supervision agreements.
6. Ordinary invoice for real estate sales in Changzhou City, Jiangsu Province
Second-hand houses under the supervision of funds do not need to provide ordinary invoices for the sale of real estate, but they must provide proof of deposit for the supervision of transaction funds of stock houses. The original is returned after examination.
7. Proof of marriage relationship
(1) If the purchaser is married, he shall provide a marriage certificate or a household registration certificate that can prove the marriage relationship to apply for provident fund loans in urban areas and Wujin; The provident fund loans in Jintan and Liyang provide marriage certificates.
(2) If the purchaser is unmarried, provide his household registration book;
(3) If the purchaser is divorced, provide a divorce certificate (or divorce mediation);
(4) If the purchaser is widowed, provide the spouse's death certificate and materials that can prove the marriage relationship with the deceased.
8. Loan repayment account
Provide borrower's bank debit card or current passbook.
Note that the owner of the house, the owner of the house with full capacity for civil conduct and his/her spouse aged 18 are borrowers.
Friendly reminder:
1. Before applying for a loan, please check whether the required information is complete and submit it in order.
2. If you need to apply for a portfolio loan, please prepare the income certificate and other materials required for commercial loans (please consult the bank for details).