What are the loan conditions of Wuhan off-site provident fund?
Conditions of Wuhan off-site provident fund loan:
1. The borrower and spouse hold legal identity documents and have full capacity for civil conduct;
2. The borrower and spouse have a stable source of income and the ability to repay the principal and interest on time;
3. The borrower and spouse have good credit and meet the credit review standards of individual housing provident fund loans of Wuhan Provident Fund Center;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. The unused housing provident fund personal housing loan or the first housing provident fund personal housing loan in the deposit city and this city has been settled, and there is no situation that affects the loan repayment in different places;
6. Agree to mortgage the purchased house;
7, in line with other conditions stipulated by the city provident fund personal housing loans.
First, cities in Wuhan metropolitan area can apply for housing provident fund loans in Wuhan.
Wuhan Metropolitan Area: Wuhan, Huangshi, Ezhou, Xiaogan, Huanggang, Xianning, Xiantao, Tianmen and Qianjiang.
Citizens who deposit provident fund in any city in Wuhan metropolitan area can apply for housing provident fund loans in other cities in the circle, and the amount and duration of provident fund deposits in other cities are consistent with those in the local area, which can be used as the basis for examination and approval of individual provident fund loan applications, and are no longer bound by the place where the provident fund is deposited, the place where the house is purchased and the place where the work is done.
Second, other cities.
1. Scope of acceptance: The scope of acceptance includes cities in Hubei Province and cities in the middle reaches of the Yangtze River that have signed housing provident fund cooperation agreements with Wuhan. The cooperative cities of housing provident fund in the middle reaches of the Yangtze River are Changsha, Hefei, Nanchang, Yueyang, Jiujiang, Anqing, Lu 'an, Tongling, Zhuzhou, Fuzhou, Xiangtan and Yichun.
2. The borrower is an employee who is registered in Wuhan and has paid the housing provident fund in full for 6 months or more.
It should be noted that if the borrower and spouse have used provident fund loans (including loans from different places) twice or more, Wuhan Provident Fund Center will no longer accept their applications for loans from different places regardless of whether the provident fund loans are settled.
The above is "What are the loan conditions of Wuhan off-site provident fund?" I hope it helps you.