1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
2. Housing provident fund loans are applicable to paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and housing provident fund personal housing loans may not be issued to paid employees' families who purchase the third and above houses.
3. Districts and cities with housing provident fund personal housing loan issuance rate lower than 85% should appropriately increase the first set of self-occupied housing loans according to local commodity housing prices and per capita housing area, and increase support for paid employees to purchase houses.
4. All localities should realize mutual recognition and transfer of housing provident fund deposit in different places, and promote the loan business in different places, that is, employees can apply for individual housing loans of housing provident fund to the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.
5. Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.