I. Loan conditions

1. The applicant or spouse has applied for commercial housing mortgage loan (excluding housing provident fund portfolio loan) to purchase self-occupied housing within the administrative area of this Municipality, and the loan has not been settled;

2. The applicant and the participant have paid the housing provident fund in full and on time in this city or other places for 6 months before the month of application, and it is in a normal state at the time of application. The deposit time of provident fund in this city and other places can be calculated together;

3. The applicant and his family (including husband and wife and minor children) have no housing provident fund loans or have paid off housing provident fund loans in this city;

4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;

5. The applicant or his spouse is the right holder of the applicant's housing loan;

6. The applicant and the respondent have the ability to repay the principal and interest of the loan, have good credit status and have no following credit records:

(1) In the past 24 months, a single loans overdue has been overdue for more than 8 times to 1, or for more than 2 times to 2 times, or for more than 3 times to 1 time continuously;

(2) A single credit card (including quasi-credit card) is overdue for more than 8 times to 1, or overdue for more than 2 times to 2 times, or overdue for more than 6 times to 3 times in the last 24 months;

(3) The status of a single credit card (including quasi-credit card) in the last 24 months is "bad debt", "frozen" or "stop payment";

(4) the loan has been repaid by the guarantor or paid off with assets and other special transaction records;

7. There is no loans overdue record in the original commercial housing mortgage loan within 6 months before the month of application;

8. The applicant agrees to provide a guarantee (mortgage) that meets the provisions of Shenzhen Municipality on the management of housing provident fund loans;

9. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the application for corporate loans shall prevail, and it shall be handled in accordance with the principle of "old methods, old methods, new methods and new methods", but if the national, provincial and municipal real estate market management policies have been clearly stipulated, such provisions shall prevail;

10. Meet other conditions stipulated by the provident fund management committee.

1 1. You cannot apply for provident fund loans under any of the following circumstances:

(1) There are other obligees besides spouses, parents and children in the housing that the applicant has transferred to public loans;

(2) the original commercial loan is used to purchase part of the property rights of a single house;

(3) The original commercial loan is used for buying and selling houses between employees and their parents, spouses and children;

(4) The applicant and * * * have paid the provident fund by fraud, adjusted the deposit base, and paid the provident fund by affiliated units.

Second, the loan materials

1, housing provident fund personal housing loan application form

2. Resident identity documents

3. Marriage certificate

4. Purchase contract

5. Certificate of immovable property right in People's Republic of China (PRC).

6. Loan repayment account information

7. Original loan contract and mortgage contract

8. Original loan payment voucher

9, the original loan repayment details and repayment plan

10, certificate of deposit and purpose of off-site loan

1 1, notarial certificate