Conditions for applying for provident fund loans:
1, with a valid household registration or residence permit in the place where it is located;
2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan;
3. There are procedures and contracts. For buying a house, renting a house and decorating;
4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price; 5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income. "
1. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.
Materials required:
The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:
My household registration book, ID card or other valid proof of residence;
Proof of occupation and income;
Purchase contract or letter of intent and other relevant certification materials;
Proof of down payment accounting for 30% of the house price;
Other materials required by the agency of China Construction Bank.
2. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers using the housing provident fund paid by employees of their own units and entrusting commercial banks to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.