Loan requirements:
(1) Having a legal and valid identity certificate;
(2) Having full capacity for civil conduct;
(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
(four) the purchase, construction, renovation, overhaul occupied housing;
(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund; If the loan applicant is an on-the-job employee, he/she must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and overdue payment), and he/she is in the state of payment when applying for a loan.
With the approval of the center, the employees of the units in deferred payment status can apply for loans under the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more.
(seven) to provide a guarantee recognized by the client;
(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;
(9) It meets other conditions stipulated by the client.
3. Agreement on the down payment of the house purchased by the loan house:
The loan amount for purchasing affordable housing and other policy-oriented housing shall not exceed 90% of the assessed value of the house or the actual purchase price (whichever is lower); The loan amount for purchasing other houses shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).