1. The balance of the account shall not be lower than the minimum balance requirement for provident fund loans, that is, it shall not be lower than 16667 yuan.
2. The monthly deposit amount is not less than 50% of the deposit base, that is, not less than 980 yuan.
The materials to be prepared for handling provident fund loans are generally as follows:
1, ID card, household registration book or residence certificate;
2, provident fund account information, including provident fund account bank, account number and other information;
3, housing purchase contract, housing property certificate or pre-sale contract and other housing related documents;
4 proof of income of the property buyers and their spouses, including proof of wage income, labor contract, social security payment certificate, etc. ;
5. Credit certificates of the buyers and their spouses, including personal credit reports and bank accounts.
To sum up, provident fund loans also need to meet certain conditions and quota restrictions, and the specific requirements also need to be understood according to local relevant regulations.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.