1. The local housing provident fund management center stipulates that the down payment of the first suite with a personal credit rating of A shall not be less than 20% of the total purchase price of the first commercial house. The examination and approval of Shunde housing provident fund personal loan was brought into Foshan's unified management in 2006, and now the maximum loan amount of housing provident fund personal loan does not exceed 260,000 yuan (520,000 yuan for husband and wife). According to the personal credit report provided by the People's Bank of China, there is no overdue repayment within 3 years, or the overdue repayment within 5 periods (including 5 periods) is a-level credit. At present, the average house price in Shunde is about 6,500 yuan/square meter, and a set of 100 square meter apartment is about 650,000. If the down payment is 30%, if the deed tax is added, the down payment will be about 200,000. If the down payment is 20%, the down payment is only about 6.5438+0.3 million yuan, nearly 60,000 yuan, which is definitely not a small amount for many families with difficulties or an ordinary family.

2. If you pay "five insurances and one gold" in Guangzhou and apply for a personal housing provident fund loan in Shunde, it is a "remote loan" (a cross-regional housing provident fund personal loan in the province). As long as you pay the housing provident fund in full and continuously for more than one year, the monthly payment is above 500 yuan, and the personal account balance of the housing provident fund is above 2W, you can generally get approval (it is not excluded that very few cities require you to move the housing provident fund deposit account to the loan application place).

3. As for whether the balance of housing provident fund in your account can be used as the down payment for buying a house, this regulation varies from place to place. Generally speaking, most cities stipulate that to purchase the first set of housing with an area of less than 90 square meters, you can go to the place where the housing provident fund is deposited with the original housing information inquiry letter and the purchase contract, apply for withdrawing the balance in the personal housing provident fund account for the down payment, and then apply for a personal loan for the housing provident fund. This is called "taking and lending".

The above views are for reference only. It is best to consult Foshan Housing Provident Fund Management Center, and their explanation shall prevail.

Address: 23rd Floor, Baihua Plaza, No.33 Zumiao Road, Foshan

Tel: (0757)833303 12