The applicant must be an employee who has paid the housing provident fund in Chengdu and has paid the housing provident fund in full for more than 6 months (inclusive); The applicant and his spouse have full capacity for civil conduct, good credit status, stable economic income and the ability to repay the principal and interest of the loan; Applicants and their spouses can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses; The housing purchased by the applicant and his spouse must be self-occupied housing, and a legal and effective purchase contract or agreement has been obtained; The applicant and his spouse must agree to use the purchased house as collateral for the loan and go through the mortgage registration procedures; Applicants and their spouses must meet other conditions stipulated by the state and Chengdu Housing Provident Fund Management Center.

I qualifications of the applicant

The applicant must be an employee who has paid the housing provident fund in Chengdu and paid the housing provident fund in full for more than 6 months (inclusive). This means that if you want to apply for provident fund loans in Chengdu, you must first ensure that you have paid enough housing provident fund continuously.

Second, credit and economic ability.

Applicants and their spouses should have full capacity for civil conduct, good credit status, stable economic income and the ability to repay the principal and interest of loans. This means that you need to have a good credit record, and at the same time you need to have enough economic ability to repay the principal and interest of the loan.

Third, the purchase conditions

Applicants and their spouses may apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses. This means that you need to buy, build, renovate or overhaul your house before you can apply for a housing provident fund loan.

Four. Subsidiary conditions

The applicant and his spouse must agree to use the purchased house as collateral for the loan and go through the mortgage registration procedures. This means that it is necessary to agree to use the purchased house as loan collateral and go through the corresponding mortgage registration procedures.

Verb (abbreviation of verb) Other conditions

In addition to the above conditions, the applicant and his spouse must also meet other conditions stipulated by the state and Chengdu Housing Provident Fund Management Center. These conditions may be different due to different regions and policies. It is recommended to consult the local housing provident fund management center or relevant departments before the specific application.

To sum up:

To apply for provident fund loans in Chengdu, you need to meet a series of conditions, including the applicant's qualifications, credit and economic ability, housing conditions, collateral conditions and other related conditions. These conditions are to ensure that the applicant has sufficient repayment ability and credit history, and at the same time ensure that the purchased house meets the relevant regulations.

Legal basis:

Regulations on the administration of housing provident fund

Article 26 provides that:

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.