Apply for housing provident fund loans should meet the following three conditions: (1) The loan target should meet the following conditions: Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans. To apply for housing provident fund personal housing loans, participants in the housing provident fund system must also meet the following conditions: that is, the time of continuous housing provident fund deposit before applying for loans is not less than six months, because if the employee's behavior of housing provident fund deposit is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. One of the husband and wife has applied for a housing provident fund loan, and neither of them can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. (2) The purpose of the loan must be earmarked: the purpose of the housing provident fund loan is limited to the purchase of self-occupied housing. (3) General housing loan conditions: applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price; Apply for housing provident fund loans should agree to apply for housing mortgage loans and housing insurance, and so on. These are all needed to reduce the risk of housing provident fund loans.

2. What are the conditions for using provident fund loans?

First of all, answer directly.

The conditions of provident fund loans are as follows.

Second, the specific analysis

1 has a good credit report.

When applying for provident fund loans, the provident fund center will pay more attention to the credit information, and there can be no record of non-performing loans on the credit information report. If there is a credit stain due to overdue in the past, the mortgage application that may be directly rejected by the provident fund center after review has a greater impact.

2. The balance of the provident fund account is sufficient.

The balance of the provident fund account will directly affect the loan amount. The loan amount of provident fund is generally 20 times of the balance of 10- account, and the specific demand is subject to the notice of the provident fund center.

If the balance of the provident fund account is insufficient, the loan application may fail, or the loanable amount is insufficient.

3. The income meets the requirements.

When applying for a mortgage, the provident fund center will require more than twice the monthly income.

The provident fund center will judge the income through the income flow and income certificate. If the income does not meet the requirements, it may also lead to the failure of the provident fund loan application.

4. The debt ratio should not be too high.

When applying for provident fund loans, the provident fund center will pay attention to the debt situation. Under normal circumstances, the debt ratio cannot exceed 50%. The higher the debt ratio, the greater the economic pressure, the higher the possibility of overdue in the future, and the provident fund center will have more concerns.

5. There can be no outstanding provident fund loans in the name.

When applying for provident fund loans, if there are still outstanding provident fund loans in your name, the loan application will not pass, which is something that needs to be understood in advance.

6, need to have full capacity for civil conduct.

When applying for provident fund loans, you should not be obviously unable to bear the debt responsibility for physical reasons or other reasons. If you don't have full capacity for civil conduct, the provident fund center will not issue it.

7. Age should meet the requirements.

The loan age should not be too high. Once it exceeds the limit of the local provident fund center, the application for provident fund loan will also fail.

8. The purchased house area cannot exceed the limit.

When applying for provident fund loans, provident fund centers in some areas will limit the area of houses purchased, especially when buying a second suite, the restrictions will be more, so you can know clearly in advance.

9. The borrower needs to provide proof of down payment and have a house purchase contract or agreement.

You need to pay the corresponding down payment according to the requirements of the provident fund center, and you need to keep the original down payment invoice, which can also be used when handling loans.

10, and the accumulation fund has been paid continuously for more than 12 months.

When applying for provident fund loans, the provident fund center also requires the number of years of continuous payment of provident fund. General provident fund needs more than 12 months to qualify for provident fund loans.

However, the regulations made by provident fund centers in different regions are different, so it is necessary to know clearly in advance, and then prepare loans according to the requirements of provident fund centers.

If you are worried that your qualifications do not meet the requirements and are rejected by the provident fund center, you can prepare a copy of your own information and consult before applying for a loan. Don't blindly pay the down payment and down payment for buying a house, so as to avoid some troubles caused by loan failure.

There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check it quickly in Beijian and check it out. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.

3. Is loans overdue's contribution to the provident fund counted?

Loans overdue will also make a credit report when the provident fund is repaid. Generally speaking, there is no grace period for provident fund loans, so even if they are overdue, they still have to bear the corresponding overdue consequences, and the provident fund center will record the overdue situation in the credit report.

After the deadline, the provident fund center will take the following measures to safeguard its rights and interests.

1. Report the overdue situation to the credit reporting agency.

2. Calculate overdue penalty interest.

3. Call for repayment.

4. Terminate the loan contract in advance.

5. Ask for early repayment.

6. Malicious overdue meeting.

7. Affect other credit applications.

8. Dispose of mortgaged property.

If the income from the disposal of the house is not enough to repay the principal and interest of the provident fund loan, it is necessary to make up the shortfall. Therefore, no matter from which aspect, provident fund loans should be repaid on time, and overdue behavior should be avoided as far as possible. Even if it is unavoidable, it should not be overdue for too long.

3. What are the loan rules of Changyang Housing Provident Fund?

Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Borrowers

4. Proof of down payment for house purchase;

5. The borrower printed by the bank and its;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must be at least 30 years old;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. Bank loans