Employees who meet the following loan conditions can purchase self-occupied housing and apply for housing provident fund loans.
Letter of credit clause
At the same time meet the following conditions, you can apply for housing provident fund personal housing mortgage loans:
(1) Holding a valid identity card and having full capacity for civil conduct;
(2) Guangzhou permanent residence, when applying for housing provident fund loans, must have been continuously paid housing provident fund for more than 6 months (including 6 months); Non-permanent residence in Guangzhou, when applying for housing provident fund loans, they must have continuously paid the housing provident fund 12 months or more (including 12 months);
(3) There is a purchase contract;
(4) The down payment for house purchase reaches the specified proportion;
⑤ The purchased house can be used for mortgage;
⑥ Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
All landowners meet other conditions stipulated by Guangzhou Housing Provident Fund Management Center and the entrusted bank.
For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.
Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses.