1. The housing accumulation fund has been paid in full according to the regulations, and has been paid continuously for more than 6 months when applying for a loan;

2. Purchase, build, renovate or overhaul owner-occupied housing within the administrative area of this Municipality, and have full capacity for civil conduct;

3, with a legitimate purchase contract or approval documents for new construction, renovation and overhaul of self-occupied housing;

4. The amount of self-raised funds for the down payment of house purchase shall not be less than 30% of the total price of the house purchased (the second loan shall not be less than 50%);

5. Take the assets recognized by the housing provident fund management center as collateral or pledge, and take individuals with repayment ability as guarantors;

6, in line with other conditions stipulated by the housing provident fund management center.

Chengdu first-hand housing provident fund loans need the following materials:

1, second-generation ID card or military officer's card;

2 household registration book (home page and home page of loan applicant);

3, marriage certificate (marriage certificate, divorce certificate, single scene statement);

4. The filing form with the new seal of the developer;

5. Original purchase contract;

6 annexes or supplementary agreements to the house purchase contract;

7. The down payment voucher of the purchased house: down payment receipt and credit card POS or cash receipt;

8. Information proof of the borrower's family housing registration record;

9. Provide a set of original notice registration procedures with fresh seal to the developer (no alteration is allowed);

10. Entrusted deduction (repayment) account: the savings card or passbook of the loan handling bank selected by the main borrower;

1 1. proof of income: the income of the borrower who has paid the housing provident fund is based on the employee contribution base.

To sum up, the maximum amount of housing provident fund loans in Taizhou is 300,000 yuan for single-worker families and 450,000 yuan for dual-worker families. If the borrower's spouse is an active serviceman, the maximum loan amount is 450,000 yuan. If the borrower's spouse pays the housing provident fund in a different place, it is necessary to provide the payment certificate issued by the provident fund management department of the deposit place and the details of the deposit in the last six months.

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.