Requirements for handling provident fund loans:
(1) The borrower has good credit, stable family income and the ability to repay the loan principal and interest.
(2) Continuous normal deposit of housing provident fund for half a year or more.
(3) The current personal account status is normal.
(4) If the payment of provident fund is suspended for more than two months, it shall be paid continuously and normally for more than half a year according to the standards approved by the management center.
In order to standardize the housing provident fund individual housing provident fund loan policy, according to the relevant provisions of the Regulations on the Administration of Housing Provident Fund and the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, with the consent of the State Council, the relevant housing provident fund loan policy is hereby notified as follows:
1. Housing accumulation fund Individual housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing by employees and support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase the first set of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.
Third, the second set of housing provident fund personal housing loans are only issued to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to purchasing ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
You can't apply for Weihai provident fund loan when buying a house in Yuncheng, Shanxi. At present, there are four cities that support mutual recognition of provident fund loans in different places, namely Wuhan, Nanchang, Hefei and Changsha. In addition, other cities do not support mutual recognition of provident funds in different places for the time being.
1. Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
Second, provident fund loans.
(1) Application conditions:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8. Deposit conditions: continuous payment 1 year.
(2) Preparation materials:
Original and photocopy of the borrower's ID card;
Original and photocopy of spouse's ID card;
A copy of the original account of the borrower;
Original and photocopy of the house purchase contract;
Application form for provident fund.
(3) Process:
1. Loan users should first consult the corresponding provident fund management department and submit the required information;
2, the provident fund management department for the first instance;
3. Review the guarantee qualification of the guarantee center;
4. Both parties sign the contract;
5. Pass all information to the handling bank;
6, with the loan conditions, loans. 1. "Business to public" needs to meet seven conditions.
1. The mortgage loan for self-occupied commercial housing has been handled in this city and the loan has not been settled (excluding provident fund loan);
2. The applicant and * * * have no housing provident fund loans or have paid off housing provident fund loans in this city;
3. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
4. The applicant or spouse is the right holder of the applicant's housing loan;
5. The applicant or * * * has the ability to repay the principal and interest of the loan, has no loans overdue records in the first six months of the month of application, and meets the credit status standards stipulated by the provident fund center;
6. Agree to provide guarantee in accordance with the commercial provisions on public loans;
7. The loan application meets the requirements of national, provincial and municipal real estate market management policies.