Only one husband and wife has housing provident fund, and they can apply for housing provident fund loans when buying a house.

1, housing provident fund must be paid continuously and normally for more than half a year;

2. It must be a self-occupied house with independent property rights.

2. Only one husband and wife has provident fund. Can two people apply for a loan together?

Yes, you can.

The loan needs to submit a written application to the bank and fill in the housing provident fund loan.

Applicant and spouse housing company

The identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and identity certificate;

Family income stability certificate and other repayment instructions;

Valid documents such as purchase contract and agreement;

List of collateral and pledge used for guarantee, certificate of consent to mortgage and pledge, and mortgage evaluation certificate issued by relevant departments;

The provident fund center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;

Other information required by the provident fund center.

3. Can husband and wife use provident fund loans together?

What are the loan conditions of husband and wife provident fund?

Both husband and wife applying for housing provident fund loans must meet the following conditions:

1. Both husband and wife must pay provident fund, and there is a certain amount of housing provident fund in the housing provident fund account;

2. Both husband and wife must continuously deposit housing provident fund 1 year or more;

3. So far, neither husband nor wife has any housing provident fund loans to repay, that is to say, neither has borrowed housing provident fund nor paid off the previous loans;

4. The real estate license purchased by the housing provident fund loan must have the names of both husband and wife;

5. When both husband and wife apply for housing provident fund loans, they need to provide their marriage certificates.

Can only one party of the husband and wife provident fund borrow money?

1. Many people who have not paid the provident fund or opened an account for less than 6 months or 12 months cannot apply for provident fund loans.

If only one of the husband and wife pays the provident fund, both husband and wife can apply for a provident fund loan to buy a house.

2. Because two people are married, they can apply for provident fund loans together. Set the party who has paid the provident fund as the main lender, and issue two income certificates at the same time to increase the loan amount, and then the husband and wife will jointly repay the mortgage.

3. The provident fund personal housing loan policy stipulates that if both husband and wife borrow money to buy a house and one of them applies for a housing provident fund loan, the spouse cannot apply for a provident fund personal loan before paying off the loan principal and interest. Therefore, couples cannot apply for provident fund loans to buy a house alone.

4. Can husband and wife apply for housing provident fund loans together?

Of course. And you must pay 12 months of provident fund to apply for provident fund loans.

First, if the housing provident fund loan is a husband and wife, whether it is a commercial loan or a housing provident fund loan, both husband and wife must jointly apply for a loan. During the relationship between husband and wife, both husband and wife should participate in the loan because of the need to confirm the debt relationship.

Second, the loan conditions

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the continuous deposit of housing provident fund before applying for a loan is not less than 12 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Extended data:

I. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.

7. Other information required by the Provident Fund Center.