Loan conditions: (1) having permanent residence or valid residence certificate in this city; (2) The housing accumulation fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the accumulation fund is not less than 2 years; (3) Self-raised funds account for more than 30% of the total house price (including 30%); (4) Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest; (5) signing a house purchase contract or agreement; (6) meeting other conditions agreed by the trustor and the trustee. "Regulations on the Administration of Housing Provident Fund" Article 19 The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units. The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

What are the requirements for provident fund loans?

Provident fund loan conditions

1, with full capacity for civil conduct and legal and valid identity documents.

2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).

3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The borrower and the borrower's monthly repayment of all debt principal and interest shall not exceed 50% of the monthly legal income of the family. The monthly income of the borrower and * * * the same borrower is based on my housing provident fund deposit base plus the monthly housing provident fund deposit amount; If the borrower fails to pay the housing provident fund, it is required to provide valid income proof and proof materials.

4. Good credit status.

5. The purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before applying for a loan.

6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.

7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral.

8. The borrower and the borrower's provident fund loan have been paid off or have not occurred.

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What are the loan conditions of housing provident fund?

In the case of insufficient funds, many people choose loans to buy houses, among which housing provident fund loans are welcomed by people because of their low interest rates. However, housing provident fund loans are not available to everyone, and only when certain conditions are met. So what are the loan conditions of housing provident fund? What should I pay attention to when lending? Next, let's learn about the specific situation of housing provident fund loans.

Housing provident fund loan conditions:

1. Housing provident fund loans must first be eligible to participate, which means that employees who have participated in the housing provident fund system are eligible to apply for housing provident fund. According to the state regulations, those who have not participated in the provident fund deposit are not eligible to apply for the provident fund.

2. We all know that provident fund loan is a kind of housing security for us, but if someone in the applicant's family has applied for housing provident fund loan, they can't apply for provident fund loan again before the loan is settled. Moreover, the maximum number of provident fund loans is no more than two, so if the loan has been made twice, the third application will not be passed.

3. Another important point of housing provident fund loan conditions is the lender's repayment ability. The provident fund loan applicant must have a stable economic income and repayment ability, so the lender cannot have other large debts, which is also to ensure that the applicant can repay the loan on time normally.

4. In addition, provident fund loans also limit the loan period, and the longest loan period cannot exceed 30 years. If you apply for portfolio loans, the time for commercial loans should be the same as that for provident fund loans.

It should be noted that the provident fund is a kind of housing security provided by the government. The most important function is to let everyone have a house to live in and protect people's just needs. Therefore, the loans of the provident fund must be earmarked, that is to say, the loans of the provident fund can only be used for buying a house and cannot be used for other purposes. If it is discovered, the provident fund management center will take certain measures against this situation.

6. Before applying for a loan, the applicant must continuously deposit the provident fund for at least 6 months, and there shall be no suspension of payment. Otherwise, it means that the applicant's income is unstable and the loan is not easy to pass. If the payment is stopped halfway, 1 year can be repaid for no more than three times. After successful payment, you can apply again.

Although there are some restrictions on the use of housing provident fund loans, provident fund loans are much cheaper than commercial loans, so most people still prefer provident fund loans when lending, so how to borrow housing provident fund?

1. The lender applies for a loan at the housing provident fund center with the materials required for the loan, including personal and spouse ID cards, household registration books, marriage certificates, house purchase down payment certificates, house purchase contracts, and provident fund deposit certificates.

2. After receiving the application, the Housing Management Center will conduct a preliminary examination of these application materials. If the applicant meets the loan conditions in all aspects, the Provident Fund Center will issue the Notice on Examination of Guarantee Application, Loan Contract, Mortgage (Counter-guarantee) Contract and other documents, and then submit these materials to the Guarantee Center.

3. The guarantee center shall review the submitted materials, and issue a letter of approval for the guarantee application if it passes the review.

4. The applicant shall pay a certain guarantee service fee after being approved by the guarantee center. If the applicant entrusts a third party to handle the provident fund loan, the third party shall handle the guarantee formalities instead of the applicant and pay the guarantee service fee. After payment, the guarantee center will issue a service fee invoice, affix the official seal to the previously submitted documents, and then hand over the applicant's loan information to the housing provident fund management center again.

After paying the relevant fees, the lender can sign the contract with the document sealed by the guarantee center at the housing management center. After receiving the information of the applicant's provident fund loan, the provident fund management center will complete the data verification and fund disbursement within 5 working days.

6. After receiving the funds allocated by the housing provident fund center, the undertaking bank will transfer the funds allocated by the provident fund center to the account designated by the lender within 1-2 working days.

Generally speaking, housing provident fund loans can't be lent casually, because the provident fund is the state's housing guarantee for us, and it is shared by the state, the collective and the individual to solve the housing difficulties of residents, so it needs to meet certain conditions when applying. The above is my answer to the loan conditions of housing provident fund, hoping to help you.

What are the requirements for provident fund loans?

Borrowers applying for housing provident fund loans shall meet the following conditions:

1, a natural person with full civil capacity, stable economic income and loan repayment ability, and good personal credit status; The borrower has established a normal housing provident fund deposit relationship with the provident fund as the core. By the time of the loan, the housing provident fund has been paid in full for not less than the specified time, and the housing provident fund loan has not occurred or has not been paid off in full.

2. With a legal purchase contract or agreement, the borrower shall be the property owner agreed in the purchase contract, and the purchased houses are newly-built commercial houses, affordable housing, housing raised by units, resettlement houses for shantytown renovation, stock houses, self-occupied houses built by employees, renovated or overhauled, etc. Within the administrative area of this Municipality.

3. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion; Agree and be able to use the purchased house or other real estate recognized by the core of the provident fund as collateral, or use movable property and rights as pledge. Where a commercial house is purchased by loan, the unit that sells the purchased house shall provide installment loan guarantee.

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What are the requirements for applying for housing provident fund loans?

To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:

1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;

2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;

4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;

5. The applicant and the * * who participated in the calculation of the loanable amount of the company loan have the ability to repay the loan principal and interest together with the applicant, and there is no loans overdue record in the six months before the original commercial housing loan application month, and they meet the credit status standards stipulated by the Provident Fund Center;

6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

8. Meet other conditions stipulated by the provident fund management committee.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.