Chongqing provident fund loans need to meet the following conditions:

1. The housing provident fund shall be paid in full and on time within 6 months (inclusive) before applying for the loan, and the provident fund account shall be in normal payment state when applying for the loan.

2. Have full capacity for civil conduct, have a stable income, and have the ability and willingness to repay the loan principal and interest on schedule.

3. Personal credit information is in good condition and meets the requirements of central credit information. All loans that are overdue for more than three consecutive periods and accumulated for more than six periods within two years can be paid off in one lump sum.

The withdrawal of provident fund does not affect the number of provident fund loans, but it does have an impact on provident fund loans; The most direct thing is to affect the amount of provident fund loans. The recognition standard of provident fund loans has nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no records of housing and provident fund loans under the name of (family).

What are the loan conditions of Chongqing provident fund? What is the process?

Hello, regarding the loan conditions of Chongqing Provident Fund, you can refer to: loan conditions: second-hand housing loan conditions 1, individuals who have paid the housing provident fund in full and on time for more than 6 months (inclusive) and have full civil capacity; 2. Transaction housing purchased in cities and towns of this city; 3. Have a proper occupation and stable economic income, have the ability and willingness to repay the loan principal and interest on schedule, and have a good credit standing; 4. There are valid real estate sales contracts and original real estate licenses (or real estate licenses and state-owned land use certificates); 5. Agree to use the purchased house as collateral; 6. The purchased second-hand house meets the following conditions: 6. 1, a complete house with clear property rights and frame structure or brick-concrete structure that can be traded in the secondary housing market; 6.2. The service life of the house shall not exceed 15 years. For individuals with full capacity for civil conduct, the mortgage loan conditions are 1, and the housing accumulation fund has been paid in full and on time for more than 6 months (inclusive); 2. In the cities and towns of this city, they have applied to the provident fund center for loans to purchase houses under construction; 3. Have a proper occupation and stable economic income, have the ability and willingness to repay the loan principal and interest on schedule, and have a good credit standing; 4. There is a registered, legal and valid contract for the sale of commercial housing in Chongqing; 5. Self-raised funds not less than 20% of the total purchase price; 6. Agree to use the purchased house as collateral; For individuals with full capacity for civil conduct, the loan condition for direct customers who pay the house faster is 1, and the housing accumulation fund is paid in full and on time for more than 6 months (inclusive); 2. The housing under construction purchased in the urban area of this Municipality cannot directly obtain the provident fund loan for the purchased property due to objective reasons; 3. Have a proper occupation and stable economic income, have the ability and willingness to repay the loan principal and interest on schedule, and have a good credit standing; 4. There is a valid contract for the sale of commercial housing in Chongqing, and the purchased house has been capped at the main building; 5. Self-raised funds not less than 20% of the total purchase price; 6. Agree to use the purchased house as collateral; The loan condition of existing home direct customers is 1, the housing accumulation fund has been paid in full and on time for more than 6 months (inclusive), and the individual has full capacity for civil conduct; 2. The housing under construction purchased in the urban area of this Municipality cannot directly obtain the provident fund loan for the purchased property due to objective reasons; 3. Have a proper occupation and stable economic income, have the ability and willingness to repay the loan principal and interest on schedule, and have a good credit standing; 4. There is a legal and effective contract for the sale of commercial housing in Chongqing; 5. Self-raised funds not less than 20% of the total purchase price; 6. Agree to use the purchased house as collateral; 1 Individuals with full civil capacity who have paid the housing accumulation fund in full and on time for more than 6 months (inclusive) under the condition of mortgage loan replacement; 2. Buying houses in cities and towns in this city, having handled provident fund loans, portfolio loans or commercial loans and obtained the house ownership certificate (or house ownership certificate or state-owned land use certificate); 3. Have a proper occupation and stable economic income, have the ability and willingness to repay the loan principal and interest on schedule, and have a good credit standing; 4. There are legal and valid commercial housing sales contracts and real estate licenses in Chongqing (or real estate licenses and state-owned land use certificates); 5. Agree to use the purchased house as collateral; The loan restriction condition of Chongqing provident fund is 1, and employees who already have personal provident fund loans are not allowed to issue personal provident fund loans; 2. Employees with personal provident fund loans may not issue personal provident fund loans to their spouses. Therefore, employees and their spouses have no personal provident fund loans when applying for loans.

Chongqing provident fund loan conditions

Provident fund policies vary from place to place. Taking Chongqing as an example, the application conditions for housing provident fund loans in Chongqing are as follows:

1. The object of provident fund loan is an individual who has paid the provident fund in full and on time (including employees registered in this city or paid in other places) six months before applying for the loan, bought their own houses in cities and towns in our city, and has full civil capacity.

2. The spouses of employees who apply for provident fund loans have paid the provident fund in full and on time for more than 6 months (including employees registered in this city or employees paid in different places) before applying for loans, and they have full capacity for civil conduct and can participate in the loans together. After the spouse participates in the loan, it shall be regarded as a relationship with the borrower's provident fund loan.

Extended data:

Proportion, amount and term of Chongqing housing provident fund loan

1. The maximum loanable amount of provident fund loans is 80% of the value of the house purchased.

2. Loan amount: The maximum personal loan amount for provident fund loans is 400,000 yuan, and the maximum loan amount paid to employees' families after participating in the loan shall not exceed 1.5 times (600,000 yuan) of the maximum personal loan amount. And the actual loanable amount shall not exceed 25 times of the sum of the balance of the provident fund account of the borrower and spouse, and the monthly debt of the borrower's family (including the provident fund loan applied for this time) shall not exceed 50% of his family's monthly income.

3. The longest term of the provident fund loan is 30 years, and the final repayment period shall not exceed 10 years after the statutory retirement age.

Chongqing provident fund loan policy

1. According to the latest housing provident fund loan policy in Chongqing, the maximum loan ratio of individual provident fund loans is 80% of the total purchase price, of which the maximum amount of individual provident fund loan funds does not exceed 400,000 yuan, which does not exceed 1.5 times (600,000 yuan) after participating in the loan. The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.

2. The deposit interest rate of individual housing provident fund is 3.10%; The loan interest rate of individual housing provident fund for five years and below is 4.45%; The loan interest rate of individual housing provident fund for more than five years is 4.90%. Normal repayment methods and regulations of Chongqing provident fund loans, 1. The principal and interest of personal provident fund loans are repaid by monthly matching principal and interest method or monthly average principal method. 2. Personal provident fund loans with a loan term of less than one year (including one year) shall be repaid in one lump sum and the contract interest rate shall be implemented. Recover the loan principal and interest in one lump sum at maturity (interest is paid with the principal).

3, Chongqing housing provident fund loans need to meet the following conditions:

(1) The provident fund must be deposited in Chongqing Provident Fund Center.

(2) Chongqing hukou borrowers must keep deposits for more than half a year, and foreign hukou borrowers must keep deposits for more than one year.

(3) The construction period of the purchased property shall not exceed 20 years, and the structure of the purchased property shall not be mixed, brick and wood structure.

(4) Do not accept applications that have used provident fund loans and have not paid off the arrears.

(5) The term of the loan plus the borrower's age, with women not exceeding 55 years old and men not exceeding 60 years old, can be appropriately extended for 5 years with the certificate issued by the company.

(6) The loan ratio shall not exceed 70% of the house price, the maximum loan amount for an individual shall be 400,000 yuan, and the maximum loan amount for two or more people to purchase the same house shall not exceed 800,000 yuan.

4. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of employees and units' housing provident fund shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.

On September 7th, 20 18, Beijing adjusted the housing provident fund personal housing loan policy, with an annual loan of 654.38+million yuan, with a maximum loan of 12 million yuan. 20 19123 October 19 housing provident fund withdrawal business did not submit a paper withdrawal application.