1. The applicant or spouse has applied for commercial housing mortgage loan (excluding housing provident fund portfolio loan) to purchase self-occupied housing within the administrative area of this Municipality, and the loan has not been settled;
2. The applicant and the participant have paid the housing provident fund in full and on time in this city or other places for 6 months before the month of application, and they are in a normal payment state at the time of application. The deposit time of provident fund in this city and other places can be calculated together;
3. The applicant and the applicant's family (including husband and wife and minor children) have not made housing provident fund loans in this city or have paid off the housing provident fund loans;
4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
5. The applicant or his spouse is the right holder of the applicant's housing loan;
6. The applicant and * * * have the ability to repay the loan principal and interest, and their credit status is good. The following credit records do not exist.
(1) In the past 24 months, a single loans overdue has been overdue for more than 8 times to 1, or for more than 2 times to 2 times, or for more than 3 times to 1 time continuously;
(2) A single credit card (including quasi-credit card) has a record of overdue for more than eight times 1, or overdue for more than two times 2, or 1 continuously overdue for 3;
(3) The status of a single credit card (including quasi-credit card) in the last 24 months is "bad debt", "frozen" or "stop payment";
(4) the loan has been repaid by the guarantor or paid off with assets and other special transaction records;
7. There is no loans overdue record in the original commercial housing mortgage loan within 6 months before the month of application.
8. The applicant agrees to provide a guarantee (mortgage) that meets the requirements of Shenzhen Housing Provident Fund Loan Management Regulations.
9, the loan application conforms to the national, provincial and municipal real estate market management policy requirements, in case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the application for loans from enterprises to the public shall prevail, and it shall be handled according to the principle of "old methods for the elderly and new methods for the newcomers", but the national, provincial and municipal real estate
The market management policy has been clearly defined, from its provisions;
10, which meets other conditions stipulated by the provident fund management committee.
1 1. You cannot apply for provident fund loans under any of the following circumstances.
(1) There are other obligees besides spouses, parents and children in the housing that the applicant has transferred to public loans.
(2) the original commercial loan is used to purchase part of the property rights of a single house;
(3) The original commercial loan is used for buying and selling houses between employees and their parents, spouses and children;
(4) The applicant and * * * the same applicant are found to be in violation of laws and regulations, such as fraud, adjustment of deposit base, and deposit of provident fund by affiliated units.
Legal basis: Article 10 of the Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Loans. Applicants or their spouses applying for public loans shall meet the following conditions in addition to the conditions stipulated in Article 9 of these Provisions:
(1) The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
(two) the applicant or his spouse is the right holder of the applicant's housing loan;
(3) The applicant and the applicant have no loans overdue record in the original mortgage loan of commercial housing and no credit record as stipulated in Article 12 of these Provisions within 6 months before the month when the application is filed.