First, the loan object:

(a) where the establishment of housing provident fund system for more than one year, and continuous full payment of housing provident fund, employees with full capacity for civil conduct, can apply for housing provident fund loans when buying self-occupied housing.

(two) due to the reasons of the loan applicant's unit, it is not the case that the applicant's housing provident fund is paid in one lump sum after the housing provident fund is paid in arrears. Before applying for a provident fund loan, the loan applicant must continuously deposit the housing provident fund for six months from the month of repayment. However, if the unit pays all unpaid employee housing provident fund in full at one time, it shall be regarded as continuous monthly housing provident fund deposit.

Second, the loan conditions:

(1) The borrower has a permanent residence in this Municipality and full capacity for civil conduct;

(two) before the application, the housing provident fund has been continuously paid for not less than six months and the accumulated housing provident fund has been paid for not less than one year;

(three) the purchased house meets the architectural design standards stipulated by the urban construction planning department of the city and county (district);

(4) The down payment for house purchase shall not be less than the prescribed proportion;

(5) Having relatively stable economic income and the ability to repay loans, and having good credit;

(six) no debt that affects the ability to repay the loan;

(seven) agreed to use the purchased self-built houses and other houses of the same value as loan collateral or provide other legal and effective guarantee methods that meet the requirements.

Three, housing provident fund personal housing loan guarantee:

(1) mortgage; Borrowers can use their own, * * own or third-party housing mortgage loans with property certificates, and if they take housing mortgage, they must go through the housing mortgage registration procedures according to law; If the borrower mortgages the house owned by * * * or a third party, it must obtain the consent of * * * or a third party and sign the undertaking of house mortgage.

(2) Mutual insurance of housing accumulation fund; Borrowers can use their own, spouse, * * and other people's housing provident fund storage balance to guarantee loans, and they must personally go to the provident fund office to sign and approve, and improve the guarantee procedures.

Four. Loan amount, term and interest rate:

(1) The maximum loan amount is 654.38 million yuan, which is not higher than 70% of the total house price;

(2) The longest loan term is 10 year, which shall not exceed the borrower's retirement time;

(three) the housing provident fund loan interest rate in accordance with the relevant provisions of the state.

If the loan term is more than one year, in case of legal interest rate adjustment, the new interest rate will be implemented according to the corresponding interest rate grade from the following year 1 month.

Verb (abbreviation for verb) loan repayment

For provident fund loans with a term of more than one year, the loan principal and interest shall be repaid according to the monthly equal principal and interest repayment method.

Six, housing provident fund personal housing loan borrowers must provide personal information when applying for loans:

(a) the borrower, the borrower (spouse) legal identity documents and proof of permanent residence in this city;

(2) Proof of the borrower's repayment ability (or proof of economic income);

(3) proof of marital status;

(4) If there is a * * * relationship with the borrower, it shall provide a written commitment signed by all parties of the borrower to clarify the repayment obligation;

(5) If there is a guarantor, relevant information of the guarantor shall be provided;

(six) legal procurement contracts, agreements (and) and other approval documents;

(seven) the list of mortgage or pledge rights, the certificate of ownership, the certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and the mortgage evaluation report issued by the evaluation agency recognized by the city center;

(eight) the relevant proof of the borrower's self-financing to buy housing.

(nine) materials required by the provident fund center or the entrusted loan bank.