The Object and Conditions of Personal Loan for Housing Provident Fund in Hebei Province
(1) The object of the provident fund loan: the depositor of the housing provident fund who bought the owner-occupied housing in Shijiazhuang and applied for a loan.
(2) Conditions for provident fund loans: To apply for housing provident fund loans, the following conditions must be met simultaneously.
1, the housing accumulation fund has been paid normally for more than six months;
2. Stable income, good credit and repayment ability;
3. Purchase legal self-occupied housing;
4. The paid house price has reached more than 20% of the total house price;
5. Be able to provide real estate mortgage guarantee.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
Rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.