Applicable object of loan
1, employees who have paid the housing provident fund in full monthly for more than 6 months (inclusive);
2. Purchase of owner-occupied housing (refers to the housing owned by employees) can apply for individual housing provident fund loans.
3. You can apply for individual housing provident fund loans for newly built, renovated or overhauled self-occupied housing in Xiamen.
Basic loan conditions
1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;
2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;
3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;
4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;
5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;
6. There are no other large debts that may affect the loan repayment ability;
7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure;
8. Other conditions stipulated by laws and regulations.