1. The loan applicant paid the housing provident fund to our center on time, in full and continuously within six months before the month of loan application, and did not owe the housing provident fund two years before the month of loan application;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department);

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

6. The loan applicant has obtained the certificate of immovable property right of the purchased house (or house ownership certificate, house ownership certificate and state-owned land use certificate);

7. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending;

8. When the original commercial loan is lent, the principal balance must be less than or equal to the loanable amount of the borrower's provident fund;

9. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

Remarks: The housing provident fund loans are issued to the paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses. "The first set of self-occupied housing" and "the second set of self-occupied housing" refer to the self-occupied housing purchased by employees' families (including loan applicants, spouses and their minor children) under the following circumstances:

The first house: there is no record of housing provident fund loan in the name, and there is no housing in this city.

Second suite: there is only one set of housing provident fund loan record under the name, and there is no housing in this city; There is only one set of housing under the name, and there is no housing provident fund loan record; There is only one housing provident fund loan in the name and only one house in this city. The owner-occupied house purchased by this loan is the same as the only house in this city.

Second, the loan materials

Both the husband and wife of the loan applicant and the owner of the house purchased must go through the relevant formalities of provident fund loan on the spot and provide the following information (original) according to the purchase situation:

1. Identity cards and household registration books of both husband and wife of the loan applicant and the owner of the house purchased (if the loan applicant or the owner of the house purchased is single, only personal materials are required);

2. Proof of marital status (if the loan applicant or the owner of the house purchased is single, a declaration of marital status must be filled out on the spot, and if he is single due to divorce or widowhood, a valid proof of divorce or widowhood must be submitted separately);

3. Certificate of immovable property right of the house purchased by the loan applicant (or house ownership certificate, house ownership certificate and state-owned land use certificate);

4. Original commercial loan contract;

5. Purchase invoice or deed tax payment certificate;

6. The reloaned housing is local commercial housing and affordable housing: the purchase contract filed by the real estate management department;

7. The reloaned house is a local stock house: a stock house sales contract filed by the real estate management department;

8. Wuxi commercial housing loan to provident fund (portfolio loan) application form (apply to the central loan window or download and print on this website, and affix the seal of the original commercial loan bank);

9. Form of Individual Housing Loan Applicants and Family Members of Wuxi Housing Provident Fund (to be filled in on the spot).

Remarks:

1. If the building area of the purchased house is less than 90 square meters (inclusive) and the purchased house is the first suite, the Property Ownership Registration Information issued by the center after unified file search (Jiangyin Sub-center and Yixing Sub-center are issued by the local real estate management department) shall be submitted.

2. If the spouse of the loan applicant is an active serviceman, he/she shall provide the military officer's certificate and the original certificate of active serviceman issued by the political department of the army, the military affairs department or the organization and personnel department.

3. When employees who have paid in the administrative area of this Municipality (including Jiangyin and Yixing) apply for housing provident fund loans, they can provide the original detailed list of housing provident fund deposits issued by the housing provident fund management center of the transferred city and stamped with the official seal or professional seal (if they have not paid for 36 months, they should all be provided) (if both husband and wife have moved to other places, they must be provided).

4. From June 65438+1October 65438+1October 5, 2020, the interest rate of the second set of housing provident fund personal housing loan for employees' families will be 1. 1 times the interest rate of the first set of housing provident fund personal housing loan for the same period. The number of employee family self-occupied housing units is determined according to the loan information records of borrowers and their spouses in the housing provident fund management system of our city.

5. The second loan application can only be handled again in the next month after the first loan is paid off.

6. Other materials required by the Center shall be provided if the employee's family has other circumstances.

Third, the handling process

Link name, handling content, handling place, handling department to receive application form. The borrower receives and fills in the Application Form of Wuxi Commercial Housing Loan to Provident Fund (Combined Loan), and goes to the original commercial loan bank to confirm the balance of commercial loans and the source of other warrants, and affix the bank seal. See the table below for the handling position. Bank loan window submission materials. The borrower submits the loan approval materials to the central entrusted bank. And sign relevant contracts. See the table below. The auditor of the bank loan window will review the submitted materials. See the table below. After the bank loan window guarantees the provident fund and the commercial loan is approved, the guarantee company will notify the borrower to go through the guarantee related procedures. See the table below. After the bank loan window settles the original commercial loan, the staff will settle the original commercial loan and hand over the settlement certificate to the guarantee company. See the table below. Bank loan window mortgage employees go to the property rights supervision department to cancel the original commercial loan mortgage and go through the formalities of portfolio loan mortgage. See the table below. Submit other warrants at the bank loan window. Employees hand over other warrants to the guarantee company. See the table below. The bank loan window lends money to the customer account. See the table below. Bank loan window.

Location and time of loan service

Wuxi housing provident fund management center unit name, handling place, handling time, contact telephone number and business department.

Monday to Friday (8: 30-12: 0013: 00-17: 00) 0510-12329 China Construction Bank Chongning Sub-branch.

(Personal Loan Center) No.630 Jiefang South Road Monday to Friday (8: 30-11:3013: 30-16: 30) 82719061.

Jiangyin Changjiang Road1No.88 Management Center Jiangyin Branch

Monday to Friday (8: 30-11:3013: 00-16: 30) 88012329 on the second floor of the government service center.

Management Center Yixing Sub-centerNo. Yong 'an Road 15, Yicheng Street, Yixing City, Monday to Friday (8: 30-11:3013: 30-17: 00) 87012320.

Management Center Xishan Sub-center, No.6 Yingbin North Road, Dongting Street, Xishan District, Monday to Friday (8: 30-12: 0013: 00-17: 00) 88707945 Wuxi Housing Provident Fund.

Management Center Huishan Sub-center, No.206 Zhenghe Avenue, Huishan District, Monday to Friday (8: 30-12: 0013: 00-17: 00) 8249273.