Legal subjectivity:
Users often ask the editor of the website, what are the conditions for housing provident fund loans in Nanchang? To this end, the editor will summarize it for everyone: The borrower should meet the following conditions at the same time : (1) Have a permanent urban residence or valid residence status in this city, and have full capacity for civil conduct. If you hold a valid residence status, you must also provide proof of household registration in your original place of residence; (2) Have a relatively stable income, good credit, and the ability to repay the principal and interest of the loan; (3) The borrower or *** the borrower has already completed the application for provident fund loan According to the "Payment and Deposit Methods", the housing provident fund has been paid and deposited in full for more than six months (including six months) continuously, and the housing provident fund in the account has not been withdrawn and used for the provident fund loan project applied for this time; (4) Provident fund loan use If it is used to purchase self-occupied housing, it must have a legal house purchase contract or agreement; if it is used to build, renovate, or overhaul self-occupied housing, it must have approval documents from the relevant planning and land management departments; , a certain percentage of down payment or own funds for renovation or overhaul of the house; (6) Agree to provide guarantee according to the guarantee method approved by the management center. The Provident Fund Loan Calculator is legally objective:
"Regulations on the Administration of Housing Provident Fund"
Article 24
If an employee has any of the following circumstances, he or she may withdraw funds The storage balance in the housing provident fund account:
(1) Purchase, construction, renovation, or overhaul of self-occupied housing;
(6) The rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account;
If there is no heir or legatee, the balance in the employee's housing provident fund account can be withdrawn Included in the value-added income of the housing provident fund.
"Housing Provident Fund Management Regulations"
Article 25
If an employee withdraws the balance in the housing provident fund account, the unit where he works shall verify it and Issue a withdrawal certificate.
Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate. The Housing Provident Fund Management Center shall make a decision to approve or disallow the withdrawal within 3 days from the date of accepting the application, and notify the applicant;
If the withdrawal is approved, the entrusted bank shall handle the payment procedures.
"Housing Provident Fund Management Regulations"
Article 24
If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account :
(1) Purchasing, constructing, renovating or overhauling self-occupied housing;
(6) The rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account;
If there is no heir or legatee, the balance in the employee's housing provident fund account can be withdrawn Included in the value-added income of the housing provident fund.
"Housing Provident Fund Management Regulations"
Article 25
If an employee withdraws the balance in the housing provident fund account, the unit where he works shall verify it and Issue a withdrawal certificate.
Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate. The Housing Provident Fund Management Center shall make a decision to approve or disallow the withdrawal within 3 days from the date of accepting the application, and notify the applicant;
If the withdrawal is approved, the entrusted bank shall handle the payment procedures.