(2) The applicant's purchase of owner-occupied housing, including newly-built commercial housing, second-hand housing, affordable housing, demolition and resettlement housing, public housing, etc. shall not exceed 12 months in principle. Among them, the purchase of pre-sale commercial housing under construction, the signing of commercial housing sales contracts in principle does not exceed 24 months;
(3) The applicant and his spouse have stable economic income and the ability to repay the principal and interest of the loan on schedule, have good personal credit and have full capacity for civil conduct;
(four) the purchase of commercial housing (affordable housing), the sale of real estate has signed a cooperation agreement with Hangzhou Provident Fund Center, and after the contract is signed (payment method is provident fund loan or provident fund commercial portfolio loan), apply for a loan; When purchasing a second-hand house, the real estate agency has put it on record in Hangzhou Provident Fund Center, and after signing the contract (payment method is provident fund loan or provident fund commercial portfolio loan) and paying the down payment, it applies for a loan before going through the formalities of real estate transaction transfer; Construction, renovation and overhaul of owner-occupied housing should belong to the nature of state-owned land and obtain the permit of housing construction plan or the documents approved by government departments to build and repair housing, and apply for a loan within 12 months after the project is completed and all the money is paid;
(5) If the employees' families (including the principal borrower, spouse and minor children) have no housing and no housing loan records, they will use the housing provident fund to purchase the first set of ordinary self-occupied housing and implement the first set of policies. For the purchase of commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the housing cooperation agreement of the provident fund center; When purchasing affordable housing, the down payment ratio of the loan shall not be less than 20%; If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
(VI) If the employee's family already owns 1 house or has no house but has housing loan records, two sets of housing provident fund loan policies shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the provident fund loan interest rate shall be subject to the benchmark housing provident fund loan interest rate of the same period 1. 1 times;
(seven) the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Apply for portfolio loans or discount loans, but also must meet the relevant requirements of commercial banks;
(eight) the purchase of housing for the city's self-occupied ordinary housing, with the purchase and construction contracts and related certification materials in line with the law, and agreed to use the purchased self-built housing as a loan guarantee;
(nine) the applicant and his spouse apply for the first time to use the housing provident fund personal housing loan, or have used the housing provident fund personal housing loan but have settled, and meet the conditions for re-application.
In any of the following circumstances, the provident fund loan will not be accepted:
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Twenty-sixth 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.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.
The housing provident fund management center shall not provide guarantees to others.
Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.
Article 30 The management fee of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, and after being approved by the financial department of the people's government at the same level, it shall be extracted from the value-added income of the housing provident fund and allocated by the finance at the same level.
The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.