What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct. 2. Have a formal residence or valid residence status in this city. He has stable income, good credit and the ability to repay the principal and interest of the loan. 4. Housing provident fund has been paid normally before borrowing, and has been paid continuously for more than half a year. 5. He can provide a valid contract or agreement for purchasing owner-occupied housing. 6. The borrower and the purchaser in the purchase contract must be consistent. To purchase * * * property rights (except spouse) * * * someone must issue a written commitment to agree to mortgage the house. 7. Self-owned funds not less than 30% of the value of the purchased self-occupied housing (more than 40% of the second-hand housing). 8. The borrower agrees to handle housing mortgage loan and insurance. 9. For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit materials. 10. The borrower agrees to open a personal account with the loan undertaking bank.
Legal basis: Regulations on the Management of Housing Provident Fund Article 30 The management fees of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, submitted to the financial department of the people's government at the same level for approval, and turned over to the finance at the same level from the value-added income of the housing provident fund, which shall be appropriated by the finance at the same level.
The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.