What are the conditions for Quanzhou to use provident fund loans?
1 Quanzhou permanent residence or valid identification with full capacity for civil conduct;
2. The housing accumulation fund has been continuously paid in full 12 months;
The lender has a stable job and income, good credit and the ability to repay the principal and interest on schedule;
4 To purchase ordinary self-occupied housing (commercial housing, affordable housing, price-limited housing and second-hand housing), it is necessary to sign a valid purchase contract registered and filed by the housing management department, and pay a down payment of more than 30% of the total purchase price with its own funds (the second-hand housing with brick-concrete structure must pay a down payment of more than 40%).
As can be seen from the conditions of Quanzhou provident fund loan, it is still different from other cities. Personal provident fund account must be paid continuously for one year, and personal assets and credit are in an important position. If personal assets or credit do not meet the requirements, a guarantor can be provided to complete the provident fund loan through guarantee. If the lender fails to repay the loan on time, the guarantor will bear the corresponding responsibilities.
Quanzhou provident fund loan process: the applicant shall submit the application materials to the center; Relevant departments carry out preliminary examination, examination and approval procedures. If it does not meet the requirements, it will be returned to the applicant for re-submission. If it meets the requirements, the next step will be taken. Sign loan and mortgage contracts and ensure the approval of the whole process; Bank review; Mortgage registration; Issue loans.
The above is the analysis of the conditions for Quanzhou to use provident fund loans, hoping to help everyone. If individuals do not have provident fund loans, they can apply for commercial loans, but their interest is higher.