In the case of insufficient funds, many people choose loans to buy houses, among which housing provident fund loans are welcomed by people because of their low interest rates. However, housing provident fund loans are not available to everyone, and only when certain conditions are met. So what are the loan conditions of housing provident fund? What should I pay attention to when lending? Next, let's learn about the specific situation of housing provident fund loans.

Housing provident fund loan conditions:

1. Housing provident fund loans must first be eligible to participate, which means that employees who have participated in the housing provident fund system are eligible to apply for housing provident fund. According to the state regulations, those who have not participated in the provident fund deposit are not eligible to apply for the provident fund.

2. We all know that provident fund loan is a kind of housing security for us, but if someone in the applicant's family has applied for housing provident fund loan, they can't apply for provident fund loan again before the loan is settled. Moreover, the maximum number of provident fund loans is no more than two, so if the loan has been made twice, the third application will not be passed.

3. Another important point of housing provident fund loan conditions is the lender's repayment ability. The provident fund loan applicant must have a stable economic income and repayment ability, so the lender cannot have other large debts, which is also to ensure that the applicant can repay the loan on time normally.

4. In addition, provident fund loans also limit the loan period, and the longest loan period cannot exceed 30 years. If you apply for portfolio loans, the time for commercial loans should be the same as that for provident fund loans.

It should be noted that the provident fund is a kind of housing security provided by the government. Its most important role is to let everyone have a house to live in and protect people's just needs. Therefore, the loans of the provident fund must be earmarked, that is to say, the loans of the provident fund can only be used for buying a house and cannot be used for other purposes. If it is discovered, the provident fund management center will take certain measures against this situation.

6. Before applying for a loan, the applicant must continuously deposit the provident fund for at least 6 months, and there shall be no suspension of payment. Otherwise, it means that the applicant's income is unstable and the loan is not easy to pass. If the payment is stopped halfway, 1 year can be repaid for no more than three times. After successful payment, you can apply again.

Although there are some restrictions on the use of housing provident fund loans, provident fund loans are much cheaper than commercial loans, so most people still prefer provident fund loans when lending, so how to borrow housing provident fund?

1. The lender applies for a loan at the housing provident fund center with the materials required for the loan, including personal and spouse ID cards, household registration books, marriage certificates, house purchase down payment certificates, house purchase contracts, and provident fund deposit certificates.

2. After receiving the application, the Housing Management Center will conduct a preliminary examination of these application materials. If the applicant meets the loan conditions in all aspects, the Provident Fund Center will issue the Notice on Examination of Guarantee Application, Loan Contract, Mortgage (Counter-guarantee) Contract and other documents, and then submit these materials to the Guarantee Center.

3. The guarantee center shall review the submitted materials, and issue a letter of approval for the guarantee application if it passes the review.

4. The applicant shall pay a certain guarantee service fee after being approved by the guarantee center. If the applicant entrusts a third party to handle the provident fund loan, the third party shall handle the guarantee formalities instead of the applicant and pay the guarantee service fee. After payment, the guarantee center will issue a service fee invoice, affix the official seal to the previously submitted documents, and then hand over the applicant's loan information to the housing provident fund management center again.

After paying the relevant fees, the lender can sign the contract with the document sealed by the guarantee center at the housing management center. After receiving the information of the applicant's provident fund loan, the provident fund management center will complete the data verification and fund disbursement within 5 working days.

6. After receiving the funds allocated by the housing provident fund center, the undertaking bank will transfer the funds allocated by the provident fund center to the account designated by the lender within 1-2 working days.

Generally speaking, housing provident fund loans can't be lent casually, because the provident fund is the state's housing guarantee for us, and it is shared by the state, the collective and the individual to solve the housing difficulties of residents, so it needs to meet certain conditions when applying. The above is my answer to the loan conditions of housing provident fund, hoping to help you.

What are the conditions for buying a house with a provident fund loan?

Buying a house with a provident fund loan needs to meet the following conditions:

1. The borrower is an individual who normally pays the housing provident fund in the Provident Fund Center;

2. The borrower purchases affordable housing recognized by the lender;

3. Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan;

4. Have a house purchase contract or relevant supporting documents;

5. The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest;

6. The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

What are the requirements for provident fund loans?

Housing provident fund loans to buy a house is a general trend under the new situation. The interest rate of housing provident fund loans is lower than that of commercial loans. For most property buyers, applying for housing provident fund loans will be the first choice for everyone to buy a house loan. So how to use provident fund loans to buy a house?

First, to apply for housing provident fund loans, we must first meet the following conditions.

(1) Have permanent residence or other valid residence status in this city and have full capacity for civil conduct.

(2) When signing a legal and effective purchase contract or agreement, pay the first payment in accordance with the prescribed proportion.

(3) the ability to repay the loan principal and interest on time, as well as a stable occupation and income.

(4) You can apply for a loan only after you have paid the housing provident fund in full for 6 months.

(5) Personal credit is good.

(6) There are no other large debts that can affect the loan repayment ability.

(7) The monthly expenditure is not higher than 50% of the family's monthly income to repay all kinds of housing loans, including the individual housing provident fund loans to be applied for, and the family's monthly income is not lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure.

(eight) meet other conditions stipulated by national laws and regulations.

Two, for housing provident fund loans required information and chain flow:

(1) Go to the office window of the local housing provident fund management center and fill in the Approval Form for Housing Provident Fund Loan Application in triplicate.

(2) The original and photocopy of the household registration book, ID card and marriage certificate of the borrower and spouse, and the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department for single residents.

(3) Copy of the completion acceptance certificate, business license, commercial housing sales license, commercial housing pre-sale license (forward delivery) of the housing development unit, and the original and photocopy of the big house certificate. Or other legal and valid original and photocopy of the house purchase contract.

(4) For the house secured by mortgage or pledge, the original and three copies of the ownership certificate of the mortgage or pledge right shall be provided, as well as the original and three copies of the written certificate that the person with the right to dispose of it agrees to mortgage (pledge).

(5) The guarantor shall issue three original written commitments to provide guarantee. And provide the guarantor with certification materials (including credit rating certificate, business license, qualification rating certificate, financial statements for the last three years, etc.). ) in triplicate.

(6) Original and three copies of down payment documents (bank bills, invoices, cash payment bills, receipts, etc.). ) the borrower has paid more than the specified proportion of the purchase price.

What are the conditions for using provident fund loans?

Provident fund loan conditions:

1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.

2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.

3. Employees with permanent residence in cities and towns or valid residence identification.

4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;

5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

Under no circumstances can you apply for a provident fund loan.

1. There are outstanding provident fund loans;

2. Use provident fund loans for the third time (inclusive) or more;

3. The purchased house is the third commercial house under the name of the family (including minor children);

4, the purchase of spouse, children, my parents or spouse's parents housing;

5, within two years of divorce, the sale of housing between employees and their original spouses;

6. The property right of the purchased house belongs to people other than spouse and minor children.

Use of provident fund loan:

1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.

2. Commercial loans are used to repay loans, that is, they are issued together with borrowers in normal transactions.

6, can provide housing provident fund management center approved by the way of guarantee.

What are the conditions for housing provident fund loans?

Provident fund loans need to be at least 18 years old to buy a house. At the same time, they also need to have a record of participating in local social security. The exact time varies from city to city.

1. What are the requirements for housing provident fund housing loans?

1, age 18, with full capacity for civil conduct.

2 to participate in the housing provident fund system and pay the housing provident fund in full and on time for more than six months (inclusive) of urban workers. The housing provident fund account in the month of application is also in a normal deposit state.

3. Have permanent residence or valid residence status in the local area.

4. You have never had a housing provident fund loan in your name or the loan has been settled (if you have applied for a housing provident fund loan twice, you can't apply for a housing provident fund loan no matter whether the loan is paid off or not).

5. Have a stable and legal income source, have the ability to repay the loan principal and interest on schedule, and provide at least twice the mortgage repayment every month.

6. Self-raised funds not less than 30% of the total price of the house purchased shall be used as the down payment for the house purchase.

7. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information of customers in the past two years)