Provident fund loan conditions:

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Provident fund loan process:

1. The borrower applies for a loan at the accepting bank;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

The information required to apply for housing provident fund loans is as follows:

1. Approval Form for Housing Provident Fund Loan Application in triplicate (to be filled in at the local housing provident fund management center);

2. The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department;

3. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;

4. Where mortgage or pledge guarantee is involved, the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three original written certificates of consent of the disposition holder to mortgage (pledge) shall be provided;

5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee;

6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price.