With a provident fund loan of 600,000 yuan, the applicant needs to meet the following conditions:

1. Normal deposit time of provident fund account 1 year or more;

2. The down payment for house purchase has been paid as required;

3. The loan amount of the provident fund is generally 15 times to 20 times the balance of the provident fund account. Then, the balance of personal accounts should be around 30,000-40,000, or higher;

4. The sum of loan age and loan life should be less than 70 years old;

5. Have stable income and repayment ability;

6. Provide guarantees that meet the specified requirements;

7. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies.

2. What are the conditions for Wuxi housing provident fund loan?

When applying for a provident fund loan, the materials to be prepared mainly include: 1. Materials to prove the identity of you and your spouse. The second is the information that proves your buying behavior. The third is the information about applying for a loan. The fourth is the information of repayment settlement. Prompt the materials that should be provided for applying for individual housing provident fund loans: 1, and a copy of the ID card of the applicant, spouse and eligible immediate family members to participate in the quota calculation; 2, the applicant and his spouse and eligible immediate family members to participate in the calculation of the amount of copy of the household registration book; 3. The original house purchase contract that meets the requirements; 4. Purchase advance payment invoice of 20% or more of the purchase price; 5, loan application form (spouse and immediate family members agree to use their housing provident fund to participate in the calculation of the amount, must sign the loan application form); 6, the borrower and his spouse and eligible immediate family members to participate in the calculation of individual housing provident fund account amount; 7. To apply for provident fund loans through ICBC, ICBC Peony Credit Card, Smart Card or Current Savings passbook are required.

3. What are the conditions for Wuxi provident fund loan?

The borrower of Wuxi housing provident fund loan must meet the following loan conditions: 1. The loan applicant must meet one of the following conditions for the deposit of housing provident fund: (1) Pay the housing provident fund to our center on time, in full and continuously within 6 months before the month of applying for the loan, and do not owe the housing provident fund for the first two years from the month of applying for the loan; (2) If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted normally in our center for at least 1 month (the remittance status is normal and there is no default). 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer); 4, a stable source of economic income and the ability to repay the principal and interest on time; 5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge; 6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans. Legal basis: Article 13 of the Regulations on the Management of Housing Provident Fund, the housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for their employees. Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.

4. What are the loan conditions of Wuxi housing provident fund? How to deal with it?

Buying a house with provident fund is a means used by many people today. Then, what conditions do citizens who pay the provident fund need to have before they can apply for provident fund loans? Today, Bian Xiao has compiled the conditions for handling provident fund loans for your reference. Personal housing provident fund account must be over 365 days, and the housing provident fund has been paid in full and continuously on time 1 year or more from the date of applying for personal housing provident fund loan (hereinafter referred to as loan). 2 use records. 3. What should I do if I fail? 1. Acceptance: the borrower fills in the loan application form and authorizes the inquiry of the credit information system. After examination by the center, submit the account names of the borrower and the mortgagor (if the mortgagor is married, a marriage certificate is required; If the household registration book indicates a statement of married status; If the mortgagor is single, a single statement shall be provided. If the real estate transaction registration management department in the area where the house is located has special requirements, it shall provide the materials required for the original return formalities according to the real estate materials), the commercial housing sales contract registered and filed by the real estate transaction registration management department, and the materials required for the original return procedures after examination (if necessary, keep the original). 2. Approval: The Center will determine the loan amount after reviewing the loan application materials submitted by the borrower. After the borrower pays the agency fee (if the center is entrusted to apply for mortgage registration, the same below), the pre-mortgage registration fee, the mortgage ownership certificate and other warrants fee, and the stamp duty, the center signs a loan contract with the borrower. 3. Mortgage registration: The agency shall go to the relevant mortgage registration department for mortgage pre-registration. 4. Lending: After receiving the mortgage registration materials, the Center entrusts the bank to transfer the loan funds to the bank account designated by the real estate development enterprise.