Applicants for provident fund loans must be People's Republic of China (PRC) citizens and compatriots from Hong Kong, Macao and Taiwan who pay provident fund. The applicant and the owner of the mortgaged house must be natural persons with full capacity for civil conduct. At the same time, the following necessary conditions must be met:

1. Deposit status requirements. When applying for a loan, the provident fund has been paid in full for 6 months (including 6 months after opening an account when applying for a loan) and is now paid normally.

Employees who deposit provident fund in other places apply for loans in our city. The applicant or spouse must meet the household registration requirements in Dongguan (subject to the registration authority of the permanent population registration card), and also need to provide the Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans issued by the Provident Fund Center in the deposit place (valid for two months, with the deposit time within the certificate? Recent continuous deposit time? For the calculation, if employees have objections, they can attach deposit details for calculation. Verified by the Guangdong-Hong Kong-Macao Greater Bay Area information sharing platform, the paper version of the deposit and use certificate and deposit details of the housing provident fund for employees with foreign loans can be reduced or exempted; If the verification fails, it shall be handled according to the existing non-interworking method. ), a letter of commitment to suspend the withdrawal of provident fund (in duplicate).

Foreign deposit workers are not allowed to apply for loans in our city.

Second, the credit status requirements. In any of the following circumstances, the applicant or his spouse shall limit or refuse the loan:

(a) the maximum number of overdue loans for a single individual loan exceeds 3 periods (including the settlement of student loans), and loans are not allowed.

(2) If individual housing loans (including housing provident fund loans or commercial loans) are overdue for more than 10 times, and have not been settled or settled for less than two years, no loans will be issued.

(three) when employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not issue loans within 5 years from the date of confirmation.

(four) fictitious extraction conditions, or the use of forged information to extract housing provident fund, the loan shall not be allowed within 5 years from the date of occurrence.

(5) purchase? Double room? Application for housing provident fund loans must be truthfully declared, and loans will not be granted without declaration.

(6) The credit card (debit card, quasi-credit card) has been settled in loans overdue and has been overdue (if it is overdue in the current period, proof of overdue settlement is required; If the credit card status is frozen, you can only apply for a loan after cancellation or return to normal. In principle, it is not included in the housing provident fund loan review requirements as a bad credit record, except for serious overdue cases.

(seven) the borrower or spouse personal credit report tips? Restrict high consumption? Yes, there is no loan.