loan conditions in Sanming City
1. Having a permanent residence in Sanming City or other valid proof of residence in this city
2. The borrower's unit has paid the housing provident fund in full for more than 6 months
3. The borrower and his spouse have good credit and the ability to repay the loan principal and interest
4. The borrower agrees to provide the guarantee according to the guarantee method recognized by the housing provident fund management center and the housing provident fund loan bank;
5. The borrower purchased an ordinary self-occupied house (with a floor area of no more than 144 square meters);
6. The borrower has not applied for housing provident fund loans or only applied for housing provident fund loans once after January 1, 23;
*** Same materials
1. Copy of ID card;
2. A copy of the household registration book;
3. Proof of marital status;
4. A copy of the housing provident fund passbook;
5. Application form for housing provident fund loan;
6. Personal credit report;
according to different loan situations, the following materials are required
Sanming housing loan materials for purchase, construction, renovation and overhaul
Article 25 of the Regulations on the Administration of Housing Provident Fund
If an employee withdraws the stored balance in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal.
employees should apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.
article 26
employees who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the 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.