1. The sub-lender and its spouse hold legal identity documents, have full capacity for civil conduct, and are between 18 years old (inclusive) and the legal retirement age, that is, men are under 60 years old and women are under 55 years old;
2. The sub-lender and its spouse have good credit, and agree to authorize the entrusted bank and the provident fund center to inquire about their personal credit reports, which is in line with the credit review standards of individual housing provident fund loans of the provident fund center;
3. The sub-lender and its spouse have stable economic income and the ability to repay the loan principal and interest on time;
4. There are no outstanding housing provident fund personal loans, and there are no other debts that affect the repayment ability of housing provident fund personal loans;
5. Agree to settle the balance of the original commercial loan in advance;
6. The original commercial loan has been repaid normally for 65,438+02 months or more after it is issued, and the proof of the normal repayment and loan balance of the original commercial loan issued by the commercial bank that issued the loan is provided;
7. The house purchased by the original commercial loan has been handled with the house ownership certificate, state-owned land use certificate or property right certificate, and the property right is clear;
8. The sub-lender and the spouse agree that the guarantee institution provider recognized by the provident fund center will transfer the loan guarantee to the public;
9. The sub-lender and spouse agree that the housing appraisal agency entrusted by the provident fund center will issue a housing appraisal report on the existing housing;
10, agreeing to use the original commercial loan housing as mortgage guarantee;
1 1. The housing age (subject to the year of completion, the same below) of the houses that the stock house dealers turn to public loans shall not exceed 30 years (including 30 years).
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.