Description of loan conditions of housing provident fund.
1. Deposit time: the applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time meet the requirements of full and normal deposit of the provident fund in a certain period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place.
2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old;
3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant provides a guarantee that meets the requirements of these Provisions;
6. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies;
7. Meet other conditions stipulated by the provident fund management committee.
Extended data:
Provident fund housing loan process
First of all, buyers need to take the commercial housing sales contract or loan contact form to the housing provident fund management center to receive the loan application form. According to the prompt, the applicant fills in the housing provident fund loan application form as required.
Then, the applicant holds your or the auxiliary borrower's ID card, and must prepare the household registration book (marriage certificate is required if the household registration books are not together). Sometimes you need to go to the civil affairs bureau to get a marriage certificate or a single certificate. Bring the commercial housing sales contract, fill in the Application Form for Housing Provident Fund Loan, review the loan amount at the Housing Provident Fund Management Center, and calculate the payable expenses.
The third step, the applicant needs to prepare the submitted materials: application form for housing provident fund loan, original commercial housing sales contract, 4 original commercial housing sales contracts, approval for real estate sales, 6th copy of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, spouse ID card 1 copy, husband and wife household registration book 1 copy, and marriage certificate.
Step 4, the applicant withdraws money from the bank window of the housing provident fund management center on the specified date and receives the bank receipt.
References:
20 18 housing provident fund loan process and loan conditions