Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. The following are the conditions and procedures of Meizhou provident fund loan I have compiled. Welcome to read!

Meizhou provident fund loan conditions loan conditions:

Apply for housing provident fund loans must also meet the following conditions:

1, and paid the housing provident fund in full for more than one year;

2. Have a stable source of income and the ability to repay the loan principal and interest;

3. Having the property recognized by the lender as mortgage or pledge;

4. Other conditions stipulated by the investor.

After paying off the principal and interest of the housing provident fund loan, the borrower can still apply for the housing provident fund loan when purchasing the owner-occupied house again, and there is no bad record after investigation.

Loan amount, term and interest rate:

1. Credit line: 65,438 yuan+5,000 yuan for one party and 250,000 yuan for both husband and wife.

2. Duration: the longest loan for house purchase shall not exceed 30 years, and the longest loan for overhauling self-occupied housing shall not exceed 10 year.

3. Interest rate: the interest rate of individual housing loan for housing provident fund stipulated by the People's Bank of China shall be implemented.

Procedures for submission and handling of Meizhou provident fund loans:

(1) Go to the county housing provident fund branch to collect and fill in the Housing Provident Fund Loan Approval Form;

(2) Provide the income certificate issued by the unit;

(3) Submit the house purchase contract, the down payment invoice or (property right certificate), the house price evaluation report, the ID cards of the lender and the husband and wife, the marriage certificate, the household registration book and other related materials to the county housing provident fund branch for examination and handling;

(4) The county housing provident fund branch conducts credit investigation and income investigation on the lender, and puts forward investigation opinions. After the approval of the director, the "Notice on Entrusted Loan Issuance of Housing Provident Fund" will be issued and sent to the designated bank for loan issuance;

(5) After receiving the notice of entrusted loan issuance and other relevant materials, the entrusted bank will review the materials, go through the formalities of guarantee, mortgage and insurance, and sign a loan contract with the borrower;

(6) After completing the relevant procedures, the county housing provident fund branch will issue a deposit certificate, and the bank will issue loans.

Time limit for completion:

Review the relevant information provided by employees, and settle and issue loans within 10 working days for those who meet the conditions of housing provident fund loans; Do not meet the conditions of housing provident fund loans, should make a reply within days.

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