1. Those who apply for housing provident fund loans after divorce have paid the housing provident fund in full and on schedule for more than six months before the month of applying for housing provident fund loans;
2. If you apply for a provident fund loan to buy a house after divorce, you can use the provident fund loan to buy a house, and the down payment is not less than the prescribed proportion;
3. The guarantor who applies for provident fund loan to buy a house after divorce can implement provident fund loan guarantee;
4. Apply for housing provident fund loans after divorce and other property owners buy houses without housing provident fund loans, and their personal credit status is good.
Then, what are the housing provident fund loan targets?
1, with valid identification;
2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not 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.
Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.
If you still need to buy a house after paying the provident fund, you can consider withdrawing the provident fund or using the provident fund loan.
legal ground
Marriage registration ordinance
Article 11
Mainland residents who register for divorce shall present the following documents and supporting materials:
(1) My household registration book and ID card;
(2) my marriage certificate;
(3) The divorce agreement signed by both parties.
When applying for divorce registration, Hong Kong residents, Macao residents, Taiwan Province residents, overseas Chinese and foreigners shall present valid passports and identity cards in addition to the documents and supporting materials specified in Items (2) and (3) of the preceding paragraph, and overseas Chinese and foreigners shall also present valid passports or other valid international travel documents.
The divorce agreement shall specify the expression of the will of both parties to divorce voluntarily and the consensus on matters such as child support, property and debt disposal.