2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.
3. If the owner-owned house is purchased, built, renovated or overhauled within the specified time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights.
4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the credit information system of China People's Bank within two years.
5. Employees' family members (including applicants, spouses and minor children, the same below) housing units and housing provident fund loan units meet the conditions of "recognizing housing and recognizing loans". "Recognition of housing" refers to the number of housing units within the administrative area of Taizhou City, and "recognition of loans" refers to the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records).
6, housing provident fund management center recognized as collateral housing.
7. Those who have applied for commercial individual housing loans to housing provident fund loans shall meet the conditions of housing provident fund loans and relevant regulations.
8. The down payment of not less than the specified proportion has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of provident fund centers and banks is higher.
Co-borrower refers to the situation where two or more people jointly borrow money from a bank. In daily life, the most common situation is that both husband and wife