What are the conditions for housing provident fund loans? Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.

2. What conditions does the provident fund need to meet before it can be loaned?

The provident fund needs to meet the following conditions before it can be loaned: 1, with legal and valid identity; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4, purchase, construction, renovation, overhaul occupied housing; 5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund; 7. Provide customer-recognized guarantee; 8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans; 9. Meet other conditions stipulated by the client. Applicants for housing provident fund loans must meet the above conditions, and their housing provident fund deposit must meet one of the following three conditions: 1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and continuously pay the housing provident fund in full within 6 months before applying for loans, and they are in the state of payment when applying for loans; 2. Loan applicants who purchase non-policy housing should, in principle, pay the housing provident fund in full 12 months before applying for a loan, and be in the state of payment when applying for a loan; 3. The loan applicant is a retired employee who has paid the housing provident fund during his employment. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.

3. What are the conditions for housing provident fund loans?

If you buy a house with a housing provident fund, you can apply for a provident fund loan.

Four. What are the latest regulations on the conditions for the withdrawal of provident fund in 2022?

To withdraw the provident fund, families cannot have outstanding provident fund loans, otherwise they cannot withdraw the provident fund regardless of whether other conditions are met.

Other conditions for the withdrawal of provident fund are:

1. Repay the principal and interest of the purchased housing loan, which is not a provident fund loan.

2. If you rent a house locally, you need to pay the rent.

3, construction, renovation, overhaul occupied housing.

4. Settlers who have retired or gone abroad.

5, completely lose the ability to work, and terminate the labor contract with the unit.

6, family members have a major illness or major surgery, need to pay medical expenses.