The required conditions are:
1. Ask the housing provident fund management department to take the provident fund loan to buy a house.
2. The buyer should be between 18 and 60 years old, have a fixed income, and guarantee to repay the principal and interest.
3. The applicant has paid the provident fund for a period of time, which generally takes more than 12 months.
4. There is still enough money in the provident fund account, and the amount you can get by applying for a provident fund loan is 10 to 20 times the remaining money of the provident fund. For example, the balance of 20,000 can be loaned to 400,000.
Different banks and cities have different application conditions and loan quotas for provident fund loans. Whether the loan can be approved successfully or not, the loan amount is evaluated according to your comprehensive qualification, and the actual approval result of the loan handling bank shall prevail.
1. The amount of provident fund housing loan is not only related to the amount of provident fund deposit, but also depends on the base of provident fund deposit, the number of years of loan purchase and whether there are other liabilities under the name. This calculation method is (provident fund deposit amount+provident fund deposit base) x0.4x 12x loan period is the loan amount of provident fund.
2, provident fund: usually refers to the housing provident fund, and sometimes refers to the company's provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
3. The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.
4. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
5. The loan amount of the provident fund is divided into levels: the maximum loan of A is 800,000, the maximum loan of AA is 920,000, and the maximum loan of AAA is 1.04 million. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57. (six) the borrower (including spouse) should have the ability to repay the principal and interest of the loan, and the average monthly income is not lower than the minimum living standard for urban and rural residents in this Municipality. (7) When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (at the same time, applying for spouse housing provident fund loans is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.
If you have paid the provident fund for two years (excellent position 18 months) and hold a second-generation ID card, you can log in to Ping An Pocket Bank APP- Finance-Loan to try to apply.