There are many people buying houses now, and most people will choose provident fund loans. The interest of this way of buying a house will be much less, so what conditions should the provident fund loan meet? Every region is slightly different. Today we will introduce the situation of Baoding Bank.

I. Provident Fund Loan Introduction This product of Baoding Bank is applied to the bank by users who need to purchase houses. Entrusted by the Housing Provident Fund Center, Baoding Bank takes the housing provident fund as the source of funds to issue special housing consumption loans to users who normally pay the provident fund, which are directed to purchase, build, renovate and overhaul their own houses. Term of loan: it can be selected according to your own situation, and the longest term is not more than 30 years. The bank will conduct a comprehensive evaluation. Loan amount: The final loan amount is determined according to Baoding's local provident fund policy and the borrower's situation. Loan interest rate: 1. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. 2. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. 3. If the entrusted loan period of individual housing provident fund is within 1 year (including 1 year), the contract interest rate will be implemented, and interest will not be calculated in sections if the legal interest rate is adjusted; If the loan term exceeds 1 year, in case of legal interest rate adjustment, the new interest rate regulation will be implemented according to the corresponding interest rate grade from 1 of the following year. Second, what conditions should provident fund loans meet? (1) You need to provide information such as ID card and permanent residence certificate when applying. (2) Provide proof of income, maintain stable income, have good personal credit, and have the ability to repay the loan principal and interest in full. (3) timely, continuous and full payment of housing provident fund for more than one year (including one year). (4) Have other loan application conditions stipulated in the Measures for the Administration of Personal Loans of Baoding Housing Provident Fund.

2. What documents does Baoding need to apply for individual provident fund?

I guess you want to apply for a personal provident fund housing loan, and the acceptance criteria.

The borrower has legal and valid identity, identity card and marriage certificate, full capacity for civil conduct, stable occupation and income, ability to repay the principal and interest of the loan, good credit status, continuous full deposit of housing provident fund for more than 6 months (inclusive), and no default in the unit.

3. What are the conditions for the provident fund loan in Baoding?

You need to show your ID card, household registration book, proof of marital status, purchase contract and purchase payment bill, and go to the accounting department of the unit for consultation and withdrawal procedures.

You can also apply for withdrawal on the grounds of renting a house, house overhaul, serious illness, resignation and retirement. And you need the corresponding contract procedures and bills.

The premise is that your provident fund account is in a state of deposit and has been deposited for 6 months.