Provident fund loan conditions:
1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.
2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.
3. Employees with permanent residence in cities and towns or valid residence identification.
4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;
5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;
Under no circumstances can you apply for a provident fund loan.
1. There are outstanding provident fund loans;
2. Use provident fund loans for the third time (inclusive) or more;
3. The purchased house is the third commercial house under the name of the family (including minor children);
4, the purchase of spouse, children, my parents or spouse's parents housing;
5, within two years of divorce, the sale of housing between employees and their original spouses;
6. The property right of the purchased house belongs to people other than the spouse and minor children.
Use of provident fund loan:
1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.
2. Commercial loans are used to repay loans, that is, they are issued together with borrowers in normal transactions.
6, can provide housing provident fund management center approved by the way of guarantee.
What are the requirements for provident fund loans?
Housing provident fund loans to buy a house is a general trend under the new situation. The interest rate of housing provident fund loans is lower than that of commercial loans. For most property buyers, applying for housing provident fund loans will be the first choice for everyone to buy a house loan. So how to use provident fund loans to buy a house?
First, to apply for housing provident fund loans, we must first meet the following conditions.
(1) Have permanent residence or other valid residence status in this city and have full capacity for civil conduct.
(2) When signing a legal and effective purchase contract or agreement, pay the first payment in accordance with the prescribed proportion.
(3) the ability to repay the loan principal and interest on time, as well as a stable occupation and income.
(4) You can apply for a loan only after you have paid the housing provident fund in full for 6 months.
(5) Personal credit is good.
(6) There are no other large debts that can affect the loan repayment ability.
(7) The monthly expenditure is not higher than 50% of the family's monthly income to repay all kinds of housing loans, including the individual housing provident fund loans to be applied for, and the family's monthly income is not lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure.
(eight) meet other conditions stipulated by national laws and regulations.
Two, for housing provident fund loans required information and chain flow:
(1) Go to the office window of the local housing provident fund management center and fill in the Approval Form for Housing Provident Fund Loan Application in triplicate.
(2) The original and photocopy of the household registration book, ID card and marriage certificate of the borrower and spouse, and the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department for single residents.
(3) Copy of the completion acceptance certificate, business license, commercial housing sales license, commercial housing pre-sale license (forward delivery) of the housing development unit, and the original and photocopy of the big house certificate. Or other legal and valid original and photocopy of the house purchase contract.
(4) For the house secured by mortgage or pledge, the original and three copies of the ownership certificate of the mortgage or pledge right shall be provided, as well as the original and three copies of the written certificate that the authorized disposition agrees to mortgage (pledge).
(5) The guarantor shall issue three original written commitments to provide guarantee. And provide the guarantor with certification materials (including credit rating certificate, business license, qualification rating certificate, financial statements for the last three years, etc.). ) in triplicate.
(6) Original and three copies of down payment documents (bank bills, invoices, cash payment bills, receipts, etc.). ) the borrower has paid more than the specified proportion of the purchase price.
What are the conditions for buying a house with a provident fund loan?
Provident fund loans need to be at least 18 years old to buy a house. At the same time, they also need to have a record of participating in local social security. The exact time varies from city to city.
1. What are the requirements for housing provident fund housing loans?
1, age 18, with full capacity for civil conduct.
2 to participate in the housing provident fund system and pay the housing provident fund in full and on time for more than six months (inclusive) of urban workers. The housing provident fund account in the month of application is also in a normal deposit state.
3. Have permanent residence or valid residence status in the local area.
4. You have never had a housing provident fund loan in your name or the loan has been settled (if you have applied for a housing provident fund loan twice, you can't apply for a housing provident fund loan no matter whether the loan is paid off or not).
5. Have a stable and legal income source, have the ability to repay the loan principal and interest on schedule, and provide at least twice the mortgage repayment every month.
6. Self-raised funds not less than 30% of the total price of the house purchased shall be used as the down payment for the house purchase.
7. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information of customers in the past two years)