1. Deposit time: the applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time meet the requirements of full and normal deposit of the provident fund in a certain period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place.

2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old.

3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;

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

5. The applicant provides a guarantee that meets the requirements of these Provisions;

6. The applicant and the co-applicant meet the requirements of national, provincial and municipal real estate market management policies;

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

What are the procedures for handling provident fund loans?

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 period to review and complete 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 core will issue a loan approval notice to the bank, and the bank will handle the loan after receiving the loan notice and transfer the loan to the designated account opened by the developer in the bank.

(The above answers were published on 2017-01-16. Please refer to the actual situation for the current purchase policy. )

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