Apply for provident fund loans must meet the following conditions:
(1) The borrower is a natural person with full capacity for civil conduct and has China nationality.
(2) When applying for the provident fund loan, the account has been continuously opened and remitted in full, and the time limit is not less than the time limit regularly announced by the management center.
(3) Having a legal and valid house sales contract or a certificate that the relevant department has approved the construction or repair of the house.
(4) The down payment for house purchase shall not be less than the specified proportion.
(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan, good personal credit, and no other debts that affect the ability to repay the loan.
(six) the nature of the purchased housing land is state-owned land; Take the house purchased, built or repaired as collateral.
After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;
During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;
In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment. Materials required for applying for provident fund loans:
Commercial housing sales contract (original 1 copy);
Household registration book (home page, household registration book home page and personal page) and marriage certificate (1 original marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse;
Unmarried certificate of unmarried persons (1 original inspection);
Singles need to provide the marriage certificate of the company (original 1 copy);
Bank personal settlement account passbook (2 copies, original inspection);
Down payment voucher (1 original inspection);
Applicant's valid identity certificate (2 originals to be inspected and printed on both sides);
Spouse ID card (copy 1 original to be inspected).