Housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in the special account opened by the housing provident fund management center in the entrusted bank for special account management. Next, I will sort out the loan conditions and requirements of Haikou provident fund for everyone, hoping to help everyone!

Application conditions

(1) Having full capacity for civil conduct and holding legal and valid identity documents;

(2) The individual housing provident fund account has been fully paid for more than 6 months at the time of application, and the payment status is normal;

(three) has not yet reached the national statutory retirement age;

(4) Good credit;

(5) Having the ability to repay the principal and interest of the loan;

(six) the family has no outstanding provident fund loans;

(seven) has paid or invested not less than the prescribed proportion of down payment or self-raised funds;

(eight) guarantee in accordance with the agreement between the housing provident fund management institution and the entrusted bank, and can implement the guarantee in time;

(nine) meet other conditions stipulated by the housing provident fund management institution.

Application requirements

Provident fund loans are for employees who normally pay housing provident fund in Hainan Province (including compatriots from Hong Kong, Macao and Taiwan) and registered employees in Hainan Province who work in other provinces and pay housing provident fund normally.

In any of the following circumstances, you may not apply for provident fund loans:

(a) the individual housing provident fund account has been settled for 3 months, or has been settled for more than 4 months;

(2) In the past 36 months, there was a record that a single loan was overdue for more than 3 consecutive installments or 12 installments (inclusive);

(3) A single credit card (including quasi-credit card) has overdue records for more than 6 consecutive periods (inclusive) or 24 cumulative periods (inclusive) in the last 36 months;

(4) There are special transaction records such as "repayment by guarantor" or "paying debts with assets";

(5) Whether there are "bad debts", "freezing" or "stopping payment";

(6) Being included in the list of untrustworthy persons;

(seven) is included in the blacklist of housing provident fund dishonesty;

(8) The houses purchased are non-residential houses such as office buildings, commercial houses, production houses and property-based hotels;

(nine) the family has two sets of housing registration records, or has used two provident fund loans;

(ten) there are other circumstances that may affect the safety of provident fund loans.

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