With the progress of the times, most owners will use provident fund loans when buying a house. However, the use of provident fund loans is not as simple as everyone thinks, and some conditions must be met. Let's take a look at the loan conditions of Shanghai provident fund first!
1. What are the loan terms of Shanghai Provident Fund?
1. It must be the purchase of self-occupied housing owned by Shanghai towns.
2. In the first 6 months of applying for a loan, the housing provident fund must be paid continuously and normally.
3. At present, the lender's family has no outstanding housing provident fund debt.
4. If you apply for a personal housing loan with pure provident fund, you can go to the business office of Shanghai Housing Property Guarantee Co., Ltd. ... If your provident fund balance is insufficient, you can entrust all business outlets of the bank to apply for a portfolio loan.
Second, what should I pay attention to when buying a house with a provident fund loan?
1. Prepare loan information.
Because the procedures for buying a house with provident fund loans are very complicated, in order to save the time for loan approval, we can prepare the required loan materials in advance. If you don't know what materials you need to prepare for buying a house with a provident fund loan, you can go to the local provident fund management center for consultation in person.
2. Understand the loan requirements
It is understood that not everyone can apply for provident fund loans to buy a house. Only when they have paid the provident fund in full and on time for one year, and the provident fund is still in the state of payment, are such employees eligible to apply. In addition, there are some differences in the loan term, loan amount and commercial loan of the provident fund, so the lender must know clearly in advance.
Editor's summary: The above introduces the conditions of Shanghai provident fund loan and the related contents that should be paid attention to when buying a house with provident fund loan, hoping to give you some little help. If you need to know more about the Shanghai Provident Fund loan, you can continue to pay attention to our website, and there will be more exciting and interesting content in the future!
What are the loan conditions of Shanghai housing provident fund?
Shanghai housing provident fund loan conditions are:
1. meets the conditions for purchasing affordable housing in Shanghai * * *, and has signed the Pre-sale Contract for Affordable Housing in Shanghai * * * according to relevant regulations;
2. The borrower must be one of the property owners;
3, in line with the current housing provident fund personal housing loan conditions, that is, before applying for a loan, the borrower and the borrower should continue to pay the housing provident fund for six months; It has a relatively stable economic income, and there is no outstanding debt that may affect the ability to repay loans.