1. What are the loan conditions for the husband and wife provident fund?

1. Both husband and wife applying for housing provident fund loans must meet the following conditions:

2. Both husband and wife must pay the provident fund, and there is a certain amount of housing provident fund in the housing provident fund account;

3. Both husband and wife must continuously deposit housing provident fund 1 year or more;

4. So far, neither husband nor wife has any housing provident fund loans to repay, that is to say, neither has borrowed housing provident fund nor paid off the previous loans;

5. The real estate license purchased by the housing provident fund loan must have the names of both husband and wife;

6. When both husband and wife apply for housing provident fund loans, they need to provide their marriage certificates.

Second, can only one party of the husband and wife provident fund borrow money?

1. Many people who have not paid the provident fund or opened an account for less than 6 months or 12 months cannot apply for provident fund loans. If only one of the husband and wife pays the provident fund, both husband and wife can apply for a provident fund loan to buy a house.

2. Because two people are married, they can apply for provident fund loans together. Set the party who has paid the provident fund as the main lender, and issue two income certificates at the same time to increase the loan amount, and then the husband and wife will jointly repay the mortgage.

3. The provident fund personal housing loan policy stipulates that if both husband and wife borrow money to buy a house and one of them applies for a housing provident fund loan, the spouse cannot apply for a provident fund personal loan before paying off the loan principal and interest. Therefore, couples cannot apply for provident fund loans to buy a house alone.

In short, the above is mainly about the conditions of husband and wife provident fund loans, and whether only one party can borrow husband and wife provident fund. When young couples apply for housing provident fund loans, they can go to our district provident fund center in advance to inquire. Another thing to note is that during the repayment period, what should I do if there is a contradiction between husband and wife? These are all things that should be noted.

Can the husband and wife provident fund repay the mortgage together? What materials do I need to apply for provident fund loans?

Can the husband and wife provident fund repay the mortgage together?

Husband and wife housing provident fund can also together, get a marriage certificate to * * * loans together. After handling a commercial loan, one borrower can apply for provident fund to repay the commercial loan on a monthly basis, and the other borrower can only withdraw the provident fund before repaying the mortgage. However, it should be noted that if a family has used the provident fund twice and bought a house in a different place, neither the loan nor the loan can be withdrawn for the third time.

When applying for provident fund loans, both husband and wife need to provide ID cards, marriage certificates, purchase payment vouchers, income certificates, purchase contracts, down payment certificates, housing provident fund payment certificates and other materials. However, only employees who participate in the housing provident fund are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund cannot apply for housing provident fund loans.

It should be reminded that one spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. If it is a portfolio loan, the loan term of the provident fund loan and the commercial housing loan must be the same.

If only one of the husband and wife pays the provident fund, both husband and wife can apply for a provident fund loan to buy a house. However, many people cannot apply for provident fund loans if they have not paid the provident fund or have opened an account for less than 6 months or 12 months.

How can couples apply for provident fund loans together?

To apply for a personal housing provident fund loan in China Bank, the borrower shall meet the following basic conditions:

1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;

2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;

4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;

5. The applicant has paid the down payment for the house purchase as required;

6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

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

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Can couples share housing provident fund loans?

This is absolutely possible. Because the state stipulates that in the relationship between husband and wife, both husband and wife should participate in the loan and share the debt, whether it is a commercial loan or a housing provident fund loan.