When applying for housing provident fund housing loans, the following seven conditions need to be met:

1. The applicant must be at least 18 years old and a People's Republic of China (PRC) citizen with full capacity for civil conduct.

2. The housing provident fund has been paid in full for more than half a year. When applying, the housing provident fund account needs to be in a normal state of payment, and there must be a balance in the account.

3. Need to have a local permanent residence or a local legal and valid residence certificate.

4. Applicants need to have a stable job, a relatively stable economic income, and the ability to repay the loan principal and interest on time. Generally speaking, they need to provide no less than twice the monthly mortgage repayment.

5. The applicant has never applied for a housing provident fund loan. If he does, the loan needs to be settled in full. Applicants who have applied for housing provident fund loans twice cannot apply again.

6. Individuals need to increase the down payment of the house. When applying for provident fund loans, you should provide proof of down payment.

7. The applicant's credit status needs to be kept good, and there can be no negative bad records.

Yoshiya real estate encyclopedia, buying a house needs more knowledge.

What conditions do provident fund loans need to meet?

The conditions of provident fund loans are as follows:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Provident fund loan requirements?

How long can the provident fund be saved and what are the requirements for loans?

1, with XX permanent residence or valid residence certificate.

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous full deposit of housing provident fund before applying for loans is not less than 6 months, and some cities stipulate that it should not be less than 12 months.

4. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the municipal area of XX, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion.

5. Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the principal and interest of the loan, and have good credit.

6. There are no outstanding housing provident fund loans. In addition, it should be noted that one spouse has applied for a housing provident fund loan, and neither spouse can obtain a housing provident fund loan until the principal and interest of the loan are paid off.

7. Not reaching the statutory retirement age (if it is otherwise stipulated by the state that it can be extended, it shall be implemented according to its provisions, but the maximum age shall not exceed 65 years).

8 provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

These are the conditions and requirements of provident fund loans, and in real life, provident fund loans in different places are more common. For off-site loans, while meeting the above conditions, it depends on whether the off-site loan agreement for provident fund has been signed between the place where the provident fund is deposited and the place where the house is purchased.

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What are the conditions for buying a house with a provident fund loan?

Borrowers applying for such loans must meet the following conditions:

(a) the borrower is an individual who normally deposits the housing provident fund in the "provident fund center";

(2) The affordable housing purchased by the borrower is approved by the lender;

(3) Having permanent residence in cities and towns or valid residence status;

(4) Having a stable occupation and income and the ability to repay the principal and interest of the loan;

(five) with the purchase of housing contracts or related documents.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

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What are the conditions for housing provident fund loans?

Conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

Extended data:

When applying for personal housing provident fund loans, you must provide real estate mortgage, pledge of rights, joint and several liability guarantee and other guarantee methods.

1. The real estate mortgage guarantee method refers to taking real estate as the guarantee of creditor's rights without transferring your possession of the real estate.

2. The right pledge means that you or the pledger take legal and effective property rights, such as national debt and other securities that meet the requirements as the guarantee.

3. The joint and several liability guarantee mode refers to the joint and several liability guarantee provided by a third-party legal person with guarantee qualification.

The guarantor must be a legal person with the qualification of guarantee (state organs, schools, hospitals and other public institutions and social organizations with the purpose of public welfare shall not be used as guarantors).

The withdrawal of housing provident fund must meet certain conditions, and the storage balance in the employee housing provident fund account can be withdrawn under any of the following circumstances:

(1) Purchase, build, renovate or overhaul the owner-occupied housing with ownership;

(2) retirement;

(three) completely lose the ability to work and terminate the labor relationship with the unit;

(4) when leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.

Repayment method:

According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:

1, 1-20 repay the loan principal and interest in cash to the loan bank every month;

2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can pre-deposit the repayment amount for several months at one time, or deposit all the repayment amount in the nearest bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest from the borrower's savings account.

The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.

1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.

2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.