1, and deposit the housing accumulation fund for more than six months in the whole province according to the minimum standard of this Municipality. Have a stable economic income and the ability to repay the principal and interest of loans on time, have good personal credit and have full capacity for civil conduct.

2. Purchase, build, renovate or overhaul personal occupied housing within the administrative area of this Municipality, and have relevant materials and certificates.

3. The down payment of not less than the specified proportion has been paid. Agree to use the house purchased, built, renovated or overhauled as collateral for the loan, and go through relevant procedures.

4. The loan applicant, the co-applicant and the applicant or the spouse of the co-applicant have not applied for a housing provident fund loan, or the first housing provident fund loan has been settled. People who buy second-hand houses must apply for loans within 3 months after completing the real estate license, land certificate and deed certificate. Construction, renovation and overhaul of owner-occupied housing shall apply for a loan within 3 months after the completion of the project. Those who purchase pre-sale commercial housing under construction must apply for loans within 24 months after signing the commercial housing sales contract.

5. If both husband and wife can pay the housing provident fund in full and normally, either husband and wife can apply for a housing provident fund loan; If only one party pays the housing provident fund normally, it must be applied by the normal depositor; If the loan is applied for by common property, the co-owner of the house must be the spouse of the loan applicant or the immediate family members of the loan applicant (unmarried adult children and parents only). Comply with other credit policies issued by the center.

How much is the loan amount of Shaoxing's first home provident fund?

1, the provident fund loan for the first suite shall not exceed 80% of the house price; New ordinary housing (more than 90 square meters) does not exceed 70% of the house price; The stock of complete sets of housing (second-hand housing) and self-built housing shall not exceed 70% of the house price.

2. The loan amount calculated according to the repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan × loan term (month).

3. Loan amount calculated according to house price: loan amount = house price × loan ratio. Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.

legal ground

Regulations on the administration 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 they purchase, build, decorate or overhaul their own houses.

The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle 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.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.

The housing provident fund management center shall not provide guarantees to others.