5 1 provident fund management mortgage does not look at credit information. Housing provident fund loans need to look at credit information. To apply for provident fund loans, the following basic conditions should be met: having full capacity for civil conduct; Proof of provident fund deposit (or housing provident fund card); Identity cards, household registration books and proof of marital status of the applicant and spouse; If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly deposit of the housing provident fund reaches the minimum monthly deposit announced by the CMC; Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing; Employees who apply for loans for the first time and the second time are required to pay a down payment of more than 20% (inclusive) of the purchase price; It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

Provident fund loan

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. 20 12 Some cities relaxed the conditions of provident fund loans, and the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province will be raised from 200,000 yuan to 300,000 yuan from June of 20 12 to June of 1 year. 20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued a document, including relaxing the conditions of provident fund loans, reducing intermediate fees, promoting loans in different places, canceling housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, which reduced the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). According to the notice jointly issued by the Ministry of Housing and Urban-Rural Development on August 15, 2065438, the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 1 5, 2065438.