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 requirements for provident fund loans?

Borrowers applying for housing provident fund loans shall meet the following conditions:

1, a natural person with full civil capacity, stable economic income and loan repayment ability, and good personal credit status; The borrower has established a normal housing provident fund deposit relationship with the provident fund as the core. By the time of the loan, the housing provident fund has been paid in full for not less than the specified time, and the housing provident fund loan has not occurred or has not been paid off in full.

2. With a legal purchase contract or agreement, the borrower shall be the property owner agreed in the purchase contract, and the purchased houses are newly-built commercial houses, affordable housing, housing raised by units, resettlement houses for shantytown renovation, stock houses, self-occupied houses built by employees, renovated or overhauled, etc. Within the administrative area of this Municipality.

3. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion; Agree and be able to use the purchased house or other real estate recognized by the core of the provident fund as collateral, or use movable property and rights as pledge. Where a commercial house is purchased by loan, the unit that sells the purchased house shall provide installment loan guarantee.

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What are the requirements for 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)