Materials to be provided for new housing provident fund loans:
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) Effective guarantee certificate;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
Colleagues need borrowers to meet the following conditions:
(1) Having a legal and valid identity certificate;
(2) Having full capacity for civil conduct;
(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
(four) the purchase, construction, renovation, overhaul occupied housing;
(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;
(seven) to provide a guarantee recognized by the client;
(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;
(9) It meets other conditions stipulated by the client.
Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:
1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.
2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for a loan, and be in the state of deposit when applying for a loan.
3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.