Two, Pingliang provident fund loan requirements and conditions:
Anyone who has established a housing provident fund system, paid the housing provident fund normally 1 year or more, and has full capacity for civil conduct may apply for a housing provident fund loan when purchasing, building, renovating or overhauling his own house.
The borrower must meet the following conditions:
(1) Having legal status.
(two) a stable income, good credit, the ability to repay the principal and interest of the loan.
(three) there is a valid purchase contract for the record, and there are legal and effective contracts, agreements or other approval materials for the construction, renovation and overhaul of self-occupied houses.
(four) there is a guarantee method recognized by the city center.
(five) both husband and wife for more than six months to withdraw and repay the loan.
Husband and wife can't repeat the loan, and before one party pays off the housing provident fund loan, the other party can't apply for a loan again.
(6) Not reaching the legal age of resignation (retirement).
(seven) other conditions stipulated by the city center.
3. In cities that temporarily do not support off-site provident fund loans, property buyers can apply for commercial loans at the bank where the house is purchased, and then withdraw part of the provident fund from the provident fund management center where the house is deposited with materials such as the house sales contract, personal ID card and unit certificate. The specific extraction time interval varies from place to place, usually once every six months or once a year. The extracted funds can be used for repayment or early repayment, thus reducing the repayment pressure of commercial loans.