2. The developer of the commercial house purchased by the lender must sign the provident fund mortgage loan business contract (agreement) with the management center.
3. The borrower has a permanent residence in this city, has full capacity for civil conduct, has a good reputation, has a stable economic income and the ability to repay the principal and interest of the loan; The monthly repayment amount shall not exceed 50% of the family's monthly income.
4. The down payment of the first housing provident fund loan shall not be less than 20% of the house price; The down payment of the second housing provident fund loan should be no less than 20% of the house price, and the loan interest rate should be 1. 1 times of the first housing provident fund loan in the same period. Stop issuing housing provident fund and individual housing loans to paid workers' families who buy third and above houses.
5. If the portfolio loan involves commercial loans, the down payment, loan times, interest rate and other relevant provisions shall be implemented by the loan undertaking bank in accordance with the relevant provisions of the People's Bank of China.
6. The applicant and his wife have no outstanding housing provident fund loans.
7. The borrower shall be the purchaser and the property right ratio shall not be less than 50% (inclusive).