(1) The applicant must have paid the housing provident fund continuously for more than 6 months or have accumulated payment status on the date of application.
(2) Provide guarantee methods that meet the requirements.
(3) Both husband and wife can only apply for one residence.
(4) Meet other conditions stipulated by commercial banks for individual housing loans at the same time.
2. What conditions do you need to apply for a personal housing discount loan?
There is no discount source for housing provident fund loans, so there is no such problem.
Three, provident fund discount loan conditions
Legal analysis: 1. The borrower has paid the housing accumulation fund for 2 consecutive years.
2. By the end of 65438+February, the normal repayment had reached 1 year, and there was no record of default or prepayment.
3. The property purchased by the loan is commercial housing or affordable housing with complete property rights, with an area of less than or equal to 90 square meters, and is the only housing for the family.
Four, the average annual income of husband and wife is less than 3 1200 yuan or family members suffer from nine major diseases listed in the Regulations on the Extraction of Housing Provident Fund, and the medical expenses borne by individuals exceed 4,000 yuan.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
4. What information do I need to provide to apply for a government discount loan?
To apply for a government discount loan, you must meet the following conditions:
1, a citizen of China, with full capacity for civil conduct, aged18-65;
2, good credit (not even three tired six in two years), no violations of law;
3. Other materials required by the bank;
4. Submit proof of application to the location of the relevant account and provide relevant conditions;
5. The local government or local security bureau will check the relevant information of the borrower;
6. The secured lending institution or bank examines the borrower;
7. The borrower shall meet the requirements of government discount. ?