In Wuhan Housing Provident Fund Management Center, it has been paid normally for 6 months (the opening time of personal provident fund deposit account is from the time of loan application 180 days; The deposit account status is normal; Before applying for a loan, the provident fund account has been remitted for six consecutive months, and payment cannot be stopped; Employees whose balance in the provident fund account is greater than or equal to 6 times the monthly remittance amount may apply for provident fund loans or portfolio loans.

(2) Loan conditions:

The borrower shall meet the following conditions:

1, with relatively stable economic income and the ability to repay the loan principal and interest on time;

2, purchase, construction, renovation, overhaul with full property rights of self-occupied housing;

3. Provide guarantees that meet the requirements of the management center and its branches;

4. The down payment for house purchase shall not be less than the specified proportion;

5. The borrower and spouse have no housing provident fund to repay their debts, and there are no other outstanding debts with a large amount that may affect the repayment of provident fund loans;

6. The personal credit of the borrower and spouse is good, and there is no bad credit record for repayment, which meets the credit review standard of the Center's personal housing provident fund loan.

7. The lower age limit for employees who have paid in to apply for housing provident fund loans is 18 years old, and the upper age limit is 60 years old for male employees and 55 years old for female employees.

The loan amount is comprehensively determined according to the time and balance of the borrower's provident fund deposit (calculated according to the sum of the balance of the borrower and spouse, and the housing provident fund deposited in the last 6 months does not participate in the calculation of the provident fund loan amount). The calculation formula is: loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) ×20 times× borrower's provident fund deposit time coefficient; Provident fund deposit account must be a normal deposit account.

Legal basis:

"Regulations on the management of housing provident fund" and "Regulations on the management of housing provident fund in Wuhan" and other relevant provisions, combined with the actual management of housing provident fund in Wuhan, these measures are formulated.

Article 2 These Measures are applicable to employees who have paid housing provident fund (hereinafter referred to as "employees") who purchase, build, renovate or overhaul their own houses in Wuhan to apply for housing provident fund personal housing loans (hereinafter referred to as "provident fund loans").

Housing provident fund individual housing loan business in different places shall be implemented in accordance with the relevant provisions of the Ministry of Housing and Urban-Rural Development and other ministries and commissions.

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.