I. Application conditions

1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.

2, the applicant must be normal and full deposit housing provident fund for more than six months.

3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)

4 to provide the guarantee procedures approved by the city housing provident fund management center.

5. Meet other conditions for housing provident fund loans.

Second, the application materials

1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)

2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)

3. Other information is the same as the normal housing provident fund loan.

Third, the handling process

1, ask for the form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website.

2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.

3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.

4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.

5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )

Four. Loan amount, loan interest rate and term

The maximum loan amount can reach 600,000 yuan.

The loan interest rate shall be subject to the provisions of the People's Bank of China. If the legal interest rate is adjusted during the loan period, it will not be adjusted if the loan term is within one year (inclusive); If it is more than one year, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year.

Loan Term The loan term shall not exceed 30 years, and in principle shall not exceed the remaining years from the statutory retirement age. However, employees whose remaining years from the statutory retirement age are less than 65,438+00 years may be extended to five years after the statutory retirement age upon their own application.