1. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid the housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

2. The loan conditions are: the employees of the unit have signed a labor contract for more than 3 years (or signed a 1 year labor contract for 3 consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

3. The loan requirements of different banks in different places are different. The specific demand is subject to the actual situation of the local bank. It is suggested that you consult the local loan handling department or call the loan handling department to consult the housing provident fund loan conditions and related materials.

Tips: The above instructions are for reference only and do not make any suggestions.

Reply time: 202 1-09-24. Please refer to the latest business changes announced by Ping An Bank in official website.

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