1. The applicants and co-applicants who participated in the calculation of the loanable amount of provident fund loans had paid the housing provident fund in full and on time in this city for 6 months before the month of application, and they were in a normal payment state at the time of application;
2. The applicant and the co-applicant have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are co-applicants, both parents have no provident fund loans or have paid off the provident fund loans 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 old;
4. The applicants and co-applicants who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the principal and interest of the loans, and their credit status is good;
5. The applicant has paid the down payment for the house purchase as required;
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.
If you have any questions, please contact online customer service of Bank of China.
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