After changing jobs, the provident fund will be cut off for three months, which will affect the provident fund loan. Take Changsha as an example, housing provident fund 12 months is required for provident fund loans.

Letter of credit clause

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. 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.

Loan target:

1, the purchase of real estate developed by real estate enterprises requires housing loans.

2. The purchased public housing can be sold as required, and a housing loan is required.

3. Buying second-hand houses with property rights in the real estate market requires housing loans;

4, due to the construction, renovation and overhaul of owner-occupied housing in cities and towns in this city, housing loans are needed;

5, in order to cooperate with the government to deepen the reform of the housing system, other housing loan projects approved by the bank.

The above contents refer to:

Baidu encyclopedia-provident fund loan

Baidu encyclopedia-personal housing provident fund loan