The basic conditions for applying for housing provident fund loans mainly include three aspects: the loan object, the loan purpose and the basic conditions for housing loans. Let's analyze them in detail:

1. The loan object should meet the following four conditions:

(1) Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, but those who have not participated in the housing provident fund system.

(2) Those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

(3) If one spouse has applied for a housing provident fund loan, neither spouse can get another housing provident fund loan until the principal and interest of the loan have been paid off. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families.

(4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

2. The purpose of the loan must be earmarked:

The purpose of the housing provident fund loan is limited to the purchase of self-occupied houses with ownership, and the houses purchased should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.

3. Meet the requirements for general housing loans:

Applicants for housing provident fund loans should have self-raised funds equivalent to 2% or more of the purchase price of housing; 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.

Special loan information:

Two copies of ID card, household registration book, marriage certificate (including photo page), copy of down payment receipt and income certificate of the applicant and his/her spouse (* * * the same as the applicant). If the applicant is single or both husband and wife are foreign hukou, two copies of the ID card of the guarantor of this city's household registration with provident fund, a copy of the household registration book and proof of income are required.

portfolio loan:

ID card, household registration book, marriage certificate (including photo page), 3 copies of down payment receipt and income certificate (2 copies of provident fund and 1 copy of bank) of the applicant and his/her spouse. If the applicant is single or both husband and wife are registered in other places, they must provide the ID card of the guarantor of this city's household registration with provident fund, 3 copies of the household registration book and proof of income and proof of income (two copies of provident fund and one copy of the bank).

note: the guarantor cannot use the provident fund loan during the applicant's loan period, but can withdraw it through formalities.

The materials to be provided for applying for provident fund loans when purchasing second-hand houses:

1. Two copies of the ID card, household registration book and marriage certificate of the loan applicant and his spouse;

2. Two copies of the income certificates of both husband and wife of the loan applicant;

3. Two copies of the down payment receipt;

4. 2 originals of the house purchase agreement;

5. Two copies of the ID card, household registration book and marriage certificate of both husband and wife of the seller;

6. Two copies of the Seller's Property Ownership Certificate and deed certificate respectively;

7. 2 originals of the evaluation report (or one original and one copy);

8. If the applicant is single or both husband and wife are registered in other places, the ID card and household registration book of the guarantor of this city's household registration with provident fund shall be provided. Two copies of the income certificate;