The borrower who applies for housing provident fund loan from Beijing Housing Provident Fund Management Center must meet the following two conditions: he must have established a housing provident fund account for more than 12 months (inclusive), and must have paid the housing provident fund in full for more than 12 months (including continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for the loan. With the approval of the center, employees in the deferred payment state can apply for loans if they have paid the housing provident fund in full for more than 12 months (inclusive) after establishing the housing provident fund account. Two, the loan applicant is a retired employee who paid the housing provident fund during his employment. If one of the above conditions is met, it meets the requirement that the borrower of housing provident fund loan is not subject to the time limit of Beijing housing provident fund deposit. Account loans, in the state of deposit, can apply for housing provident fund loans.

2. What are the loan conditions of housing provident fund?

The provident fund must reach 20,000 yuan before you can borrow money to buy a house. The application conditions for provident fund loans are:

1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;

2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;

3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.

Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men shall reach 65 years of age and women shall reach 60 years of age; The employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Do not exceed the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years. Portfolio loans, provident fund loans and commercial housing loans must have the same term. In the case of buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.

3. What are the conditions for provident fund loans?

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. 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.

4. What are the conditions for applying for housing provident fund loans?

Borrowers who apply for housing provident fund loans from Beijing Housing Provident Fund Management Center must meet one of the following two conditions: 1. The borrower must establish a housing provident fund account 12 months or more (inclusive), and at the same time pay the housing provident fund account 12 months or more in full (including continuous monthly payment, advance payment and supplementary payment). When applying for a loan, the loan conditions of Beijing housing provident fund are for the units approved by the center and in a deferred payment state, and their employees have been setting up a housing provident fund account 12 months or more. Two, the loan applicant is a retired employee who paid the housing provident fund during his employment. Meet one of the above conditions, that is, meet the application conditions of "housing provident fund loan". Loan applicants who purchase policy-oriented housing are not subject to the time limit for the deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.