Housing provident fund loan conditions and procedures The borrower must meet the following conditions: (1) Having a legal and valid identity certificate; (2) Having full capacity for civil conduct; (3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; (four) the purchase, construction, renovation, overhaul occupied housing; (five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; (six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund; (seven) to provide a guarantee recognized by the client; (eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans; (9) It meets other conditions stipulated by the client. Applicants for housing provident fund loans must meet the above conditions, and their housing provident fund deposit must meet one of the following three conditions at the same time: (1) The housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been paid in full for more than 12 months (inclusive), and it is in the state of deposit when applying for loans; (2) The employer of the applicant is in a deferred payment state with the approval of the provident fund management center, but I meet the conditions of establishing a housing provident fund account 12 months or more (inclusive) and fully paying the housing provident fund 12 months or more (inclusive); (three) the loan applicant is a retired employee who paid the housing provident fund during his employment. 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 housing provident fund loan if he meets the conditions of establishing housing provident fund account and being in the state of deposit. ※.

Second, how to loan housing provident fund?

How to finance housing provident fund? Buying a house by loan is a common way of employment, among which the advantages of low interest rate and convenient handling of provident fund loans have become the first choice for people to buy a house. How to deal with provident fund loans? This article will answer this question in detail.

1. What are the basic conditions for applying for individual housing provident fund loans?

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans.

(2) Before applying for a loan, the housing accumulation fund has been paid continuously for more than 6 months. Due to abnormal deposits and unstable income, risks are prone to occur after the loan is issued.

(3) When one spouse applies for a housing provident fund loan, neither spouse can get a housing provident fund loan until the loan interest is paid off. After the settlement, they can make a second housing loan, and the down payment interest rate remains unchanged. Because the housing provident fund loan is the financial support to meet the basic housing needs of employees and the financial support of "housing security".

(4) When submitting an application for housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and has not repaid a large number of other debts that may affect the repayment ability of housing provident fund loans.

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(5) The purpose of the loan must be special: the purpose of the housing provident fund loan is limited to the purchase of self-operated houses with ownership, and the houses purchased must meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. When buying a house for profit, you can't use provident fund loans.

Two. Materials required for handling provident fund loans

(1) Three copies of the applicant's and spouse's ID card (double-sided) and two originals of the household registration book (including home page, household registration home page and personal page). Foreigners need the original temporary residence permit.

(2) Two copies of the borrower's marriage certificate; The original unmarried certificate provided by the unmarried person is 1.

(3) Two original income certificates of the borrower and spouse.

(4) The sales contract of the trading company signed by the buyer and the company.

Third, how long can Chongqing's housing provident fund be loaned?

Housing provident fund deposit time is not less than six months before loans can be made.

Those who participate in the housing provident fund system must also meet the following conditions when applying for individual housing provident fund loans: that is, the loan application period is not less than 6 months. When applying for housing provident fund loans, applicants for housing provident fund loans must have relatively stable economic income and repayment ability, and there are no outstanding debts that may affect them.

Extended data:

The use of housing provident fund loans is limited to the purchase of self-occupied housing with ownership, and the purchased housing shall conform to the housing use right stipulated by the municipal provident fund management center, and no housing provident fund loans may be applied.

One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan. Because the housing provident fund loan is a kind of financial support provided when meeting the basic housing needs of workers' families.

Apply for housing provident fund loans, there should be a provision equivalent to 20% of the purchase price). Applicants for housing provident fund loans have to wait. These are all needed to reduce the risk of housing provident fund loans.

Source: Baidu Encyclopedia-Housing Provident Fund Loan