According to the regulations, the term of provident fund loans shall not exceed 5 years after the borrower retires. For example, if you retire at the age of 60, you can only borrow until the borrower is 65 years old. On the other hand, there is no limit on the minimum age of borrowers, but they must meet the conditions of formal employment and continuous payment of provident fund for more than 6 months. Is there an age requirement for provident fund loans?
Age limit for second-hand housing provident fund loans: Is there an age requirement for provident fund loans?
The conditions for applying for provident fund loans are: the sum of the age of the male principal lender and the loan period is less than 65 years old, and the sum of the age of the female principal lender and the loan period is less than 60 years old. For example: 1. Ms Cai is 35 years old. She can apply for a second-hand housing provident fund loan for up to 25 years. Mr. Zhang is 45 years old this year. Is there a maximum age requirement of 20 years for him to buy a second-hand house and apply for a provident fund loan?
Loan process: Is there an age requirement for provident fund loans?
(1) application: the applicant and * * * together with the applicant go to the personal loan acceptance window of the central district management department (hereinafter referred to as the management department) where the housing provident fund is deposited to fill in the Application for Approval Form for Provident Fund Loan. Is there an age requirement for provident fund loans?
(2) Review: The accepting personnel review the personal credit (including spouse) and materials according to the loan policy, enter information in the form, and output the contract text, loan receipt and entrusted deduction agreement after passing the review. Is there an age requirement for provident fund loans?
(3) Signature: The applicant and the applicant sign the above words for confirmation after handling the bank repayment card (discount). Handling guarantee and mortgage: the applicant and * * * go to the window of the guarantee company to handle the registration of guarantee and real estate mortgage. Is there an age requirement for provident fund loans?
(4) Lending: After the registration of guarantee and real estate mortgage is completed, the management department checks the loan materials, and entrusts the bank to transfer the loan to the account of the development enterprise that signed the guarantee agreement with the center. The borrower will get the corresponding receipt from the entrusting bank with the original ID card. Is there an age requirement for provident fund loans?
(5) Repayment: The borrower shall repay the loan principal and interest due in the current month according to the time limit agreed in the contract until the loan is fully paid off.
Every month when we teach wages, a sum of money will be deposited in the provident fund account, so applying for provident fund loans has become a problem that many people need to consider. Therefore, many people are concerned about what conditions are needed to apply for housing provident fund before they can apply for loans. Everyone knows that it is more cost-effective to buy a house with provident fund. Many people will choose provident fund loans when they can choose. Of course, some people who have not paid the provident fund will choose portfolio loans and commercial loans. No matter what kind of loan, there is an age limit. I hope I can give some advice to people who buy a house.