1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;
2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;
3. The self-financing of the first suite reaches more than 30% (inclusive) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
4. The borrower has a legitimate job and a stable income, a fixed salary every month, and a clear intention to repay the loan;
5. Sign a house purchase contract or contract with the house sales office;
6. Meet other conditions stipulated by the trustor and the trustee.
Housing provident fund loan process:
1. The borrower shall submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form and provide relevant information truthfully;
2, the city housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan term review and the completion of the contract, the borrower and the center signed the relevant contract or agreement, and according to the provisions of the people's Bank of China for insurance;
3. After the loan formalities are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan transfer formalities after receiving the loan notice.
4. When buying a house, the borrower can know the loan amount and monthly repayment amount by going to the bank to calculate according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.
Legal basis: Article 7 of the Notice on Developing Personal Housing Loan Business of Housing Provident Fund.
Relax the loan conditions of housing provident fund. When employees apply for housing provident fund loans, if the borrower or the borrower has bad credit, but the borrower is allowed to find a public official who pays the provident fund as a guarantee because of malicious overdue, and the borrower agrees to sign a monthly repayment agreement after the loan, they can apply for housing provident fund loans.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.