1. The housing accumulation fund has been paid in full according to the regulations, and has been paid continuously for more than 6 months when applying for a loan;

2. Purchase, build, renovate or overhaul owner-occupied housing within the administrative area of this Municipality, and have full capacity for civil conduct;

3, with a legitimate purchase contract or approval documents for new construction, renovation and overhaul of self-occupied housing;

4. The amount of self-raised funds for the down payment of house purchase shall not be less than 30% of the total price of the house purchased (the second loan shall not be less than 50%);

5. Take the assets recognized by the housing provident fund management center as collateral or pledge, and take individuals with repayment ability as guarantors;

6, in line with other conditions stipulated by the housing provident fund management center.

The materials required for provident fund loans are as follows:

1, the household registration book of the borrower and its spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

To sum up, the maximum amount of housing provident fund loans in Taizhou is 300,000 yuan for single-worker families and 450,000 yuan for dual-worker families. If the borrower's spouse is an active serviceman, the maximum loan amount is 450,000 yuan. If the borrower's spouse pays the housing provident fund in a different place, it is necessary to provide the deposit certificate issued by the provident fund management department of the deposit place and the details of the deposit in the last six months.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.