First, the loan object paid housing provident fund workers, in the purchase, construction, renovation, overhaul of their own housing, you can apply for housing provident fund loans.

II. Basic loan conditions 1. Have permanent residence in cities and towns or valid residence status; 2. Have a stable occupation and income; 3. Good credit and the ability to repay the loan principal and interest on schedule.

Three. The maximum loan amount stipulated by the housing provident fund management center in each city is different. Please consult the local housing provident fund management center when lending.

Four. Loan Term The loan term set by the housing provident fund management center in each city is different. Generally, there are two kinds of loans: the longest 10 year and the longest 20 years. Please consult the local housing provident fund management center when lending.

Verb (abbreviation of verb) loan interest rate The annual interest rate of housing loans for individuals with a loan term of less than 5 years (inclusive) is 3.78%; Individuals with a loan period of more than five years purchase housing loans with an annual interest rate of 4.23%.

Information that intransitive verbs need to provide 1. Legal and valid identity documents; 2. Housing provident fund savings card and borrower's name stamp; 3. A legal and effective contract or agreement for the purchase, construction, decoration or overhaul of self-owned housing and related materials; 4. Proof of down payment for housing purchase or self-financing for housing construction, renovation and overhaul; 5. To use the loan amount of both husband and wife, it is necessary to have a spouse's housing provident fund savings card, ID card and copy, marriage certificate or other proof of husband and wife relationship; 6 other information required by the city housing provident fund management center and the loan bank.