Housing accumulation fund is paid by the company for employees. In some places, individuals can also pay housing provident fund and enjoy the same treatment. They can apply for housing provident fund loans to buy their own houses when they meet a certain payment period. What is the guide for Heze to apply for housing provident fund loans? The following network Bian Xiao will handle it for everyone. 1. Address for Heze to apply for housing provident fund loan: Business Hall of Housing Provident Fund Management Center, 2nd floor, Zhong Da Real Estate Business Building, Renmin Road, Heze Development Zone 1- 12 Window 2. Working days for Heze to apply for housing provident fund loan: 8: 30-1 4: 30-in summer from May to September. Housing provident fund personal housing loan application form II. Identity card: valid identity documents such as resident identity card and household registration book; 3. Proof of marital status. Proof of purchase: the purchase contract (agreement) or other supporting documents filed by the real estate administrative department; 5. Proof of down payment; Invoice or receipt issued by the sales unit; 6. Loan repayment card (1 card) 7. Personal credit report. Proof of off-site loan: proof of deposit and use of housing provident fund for employees with off-site loan, with details of deposit and use (off-site loan provided); 9. Guarantee materials (provided by way of guarantee) 10. Proof of income: the income of employees is calculated and determined according to the deposit base of housing provident fund in principle. 1 1. Proof of family housing situation Ⅳ. Conditions for Heze to apply for housing provident fund loans 1. Housing provident fund with full capacity for civil conduct is paid for employees and has legal and valid identity certificates; 2. Meet the deposit conditions of housing provident fund for loan application; 3. It has a legal and effective house purchase contract (agreement) or other supporting documents, and the down payment ratio of house purchase meets the requirements of housing provident fund loans; 4 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan according to regulations; 5. Agree to guarantee according to the guarantee method recognized by the Housing Provident Fund Center; 6. The loan applicants (spouse and borrower) have no outstanding provident fund loans; 7, laws, regulations, rules and other conditions stipulated by the housing provident fund center. Housing provident fund loans are conditional, and the amount of housing provident fund loans is also limited. All localities can formulate local policies according to local actual conditions, so that the housing provident fund can be used more efficiently. I hope the above content can help you. If you have other legal problems, you can consult online.
Legal objectivity:
"Regulations on the management of housing provident fund" Article 18 The deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.