1, Baotou provident fund loan applicant must be a Baotou household registration or a non-Baotou household registration for one year.
2. At least one applicant for Baotou provident fund loan must meet the application conditions for Baotou provident fund loan.
3. Baotou provident fund loan applicants have a record of provident fund deposit for more than six consecutive months (12 months), but it does not include supplementary payment.
4. The monthly deposit of Baotou provident fund loan applicant must be at least 600 yuan or continuous deposit 12 months.
5, Baotou provident fund loan applicants in the loan before the continuous deposit of housing provident fund for not less than 6 months.
6. The monthly repayment amount of Baotou provident fund loan shall not exceed 50% of family income.
7. The down payment ratio of the first home loan of Baotou provident fund loan shall not be less than 20% of the total house price; The down payment ratio of the second suite shall not be less than 60% of the total house price.
8. The maximum amount of Baotou provident fund loan is 600,000 yuan, which does not exceed 70% of the total house price.
9. The longest loan period of Baotou Provident Fund shall not exceed 30 years, and the loan period plus the borrower's age shall not exceed 70 years.
The following information is required for handling the provident fund:
1, ID card: You need to check your identity information when you apply for provident fund, so you need to bring valid identification, such as ID card or temporary id card;
2. hukou book or residence permit: some areas need hukou book or residence permit to prove that you have legal residence rights in this area;
3. Proof of marital status: If you are married, you need to provide documents such as marriage certificate or divorce certificate to prove your marital status;
4. Work certificate: Work certificate is required, such as labor contract, social security certificate, salary slip, etc. , to prove the work unit and work income;
5. Bank card: The deposit and withdrawal of the provident fund need to be operated through a bank card, so a valid bank card is required.
To sum up, the specific information requirements and procedures may vary according to different regions and policies. If you are going to apply for provident fund, it is recommended to consult the local provident fund management center or bank in advance to understand the specific information requirements and handling procedures.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.