According to the Notice of Chongqing Housing Provident Fund Management Center on Housing Provident Fund Individual Housing Loan Policy and relevant regulations:
1. The object of provident fund loan is an individual who has paid the provident fund in full and on time (including employees registered in this city or paid in other places) six months before applying for the loan, bought their own houses in cities and towns in our city, and has full civil capacity.
2. The spouses of employees who apply for provident fund loans have paid the provident fund in full and on time for more than 6 months (including local or foreign registered employees who have paid in different places) before applying for loans, and they have full capacity for civil conduct and can participate in loans (hereinafter referred to as "participating in loans"). After the spouse participates in the loan, it is regarded as a provident fund loan with the borrower.
Extended data:
The maximum personal loanable amount of Chongqing housing provident fund loan is 400,000 yuan, and the maximum loanable amount paid to employees' families after participating in the loan shall not exceed 1.5 times (600,000 yuan) of the maximum personal loanable amount. And the actual loanable amount shall not exceed 25 times of the sum of the balance of the provident fund account of the borrower and spouse, and the monthly debt of the borrower's family (including the provident fund loan applied for this time) shall not exceed 50% of his family's monthly income.
The application for provident fund loans will no longer receive the "Single Certificate" issued by the competent department, and the single situation of the parties will be proved by the "Single Declaration" signed by them.
When applying for provident fund loans, paid employees may not provide proof of income issued by the paying unit. If the paid employee fails to provide proof of income, it shall be deemed that he agrees to calculate the monthly income according to his monthly provident fund deposit.
Chongqing housing provident fund management center-Chongqing housing provident fund management center on housing