1. loan object: the loan applicant must be an on-the-job employee, and both the individual and the unit where he works have paid the housing provident fund in full and on time for more than 6 months (inclusive) before the loan, and have full capacity for civil conduct (excluding employees in railway, electric power and oilfield systems).
2 to apply for housing provident fund personal housing loans should also meet the following conditions:
(1) The loan applicant has continuously paid the housing accumulation fund in full for more than 6 months (inclusive);
(2) At least one of the husband and wife has a permanent residence in the administrative area of Dezhou;
(3) Having a legal contract and relevant certification materials for purchasing self-occupied housing within the administrative area of Dezhou City, and the signing time of the contract is within one year;
(4) Have a stable occupation and income, and have the ability to repay the loan principal and interest;
(5) There are no outstanding housing provident fund loans and other debts that may affect the repayment ability when the loan applicant and spouse apply;
(6) The credit status is good, and the credit status of the loan applicant and spouse conforms to the relevant provisions of the Detailed Rules for the Implementation of Individual Housing Provident Fund Loans in Dezhou.
(7) The guarantee method approved by Dezhou Housing Provident Fund Management Center (hereinafter referred to as the Center) shall be adopted.
Second, the provident fund loan processing flow:
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2. Property Ownership Certificate issued by the city where the loan applicant and spouse deposit, purchase and household registration are located.
3. The borrower holds the above certificate and other loan information in (4) to apply for a loan to the loan acceptance window of the housing provident fund management institution where the house is purchased, and the loan acceptance personnel will conduct a preliminary examination to see if it meets the loan conditions.
4. For employees who meet the loan conditions, the loan acceptance personnel shall fill in the Application Form for Opening an Account in a Different Place for Personal Housing Provident Fund Loan and submit it to the business window for opening an account.
5. After opening an account successfully, the loan accepting personnel will print the Notice of Pre-examination of Housing Provident Fund Loan.
6. The loan applicant shall fill in the "Approval Form for Individual Housing Loan", provide the original and photocopy of the information required for the loan, and go through the mortgage formalities.
7. The loan accepting personnel will input the loan information to the approving personnel for approval.
8. The entrusted bank signs a loan contract with the borrower and spouse according to the loan notice and issues loans.
Third, Dezhou Housing Provident Fund Management Center official website/N4690055/C2222984/content.html