1. Employees who normally pay the provident fund monthly in the downtown system and apply for provident fund loans, but the principal and interest of the loans have not been paid off.

2. When the borrower handles the loan repayment business, the unit and individual housing provident fund shall be paid continuously for more than 6 months on a monthly basis.

3. The accumulated balance of the housing provident fund account is more than 12 times of the monthly repayment amount of the housing provident fund loan.

4. The borrower's housing provident fund account has not been frozen or guaranteed.

5. The borrower's normal repayment is more than 6 months (inclusive), and it has not been overdue for 3 consecutive times or accumulated for more than 6 times in two years.

6. If the guarantee method is real estate mortgage, the seller's regular guarantee plus real estate mortgage, and the guarantee company's regular guarantee plus real estate mortgage, you can handle the loan repayment business. If the guarantee method is a natural person's phased guarantee plus real estate mortgage, the loan repayment business can only be handled after it is converted into real estate mortgage.

Extended data:

Handling process: the borrower makes an appointment (pre-filled)-accepts the acceptance of outlets (examination and approval, property inquiry under the name, credit inquiry)-notifies the transfer-goes through the mortgage registration formalities-obtains the mortgage certificate and notifies the lender-the bank lends money.

Time limit for processing: the loan application materials are complete, and the review time limit does not exceed 5 working days; In line with the conditions for loan issuance, the time limit for loan issuance shall not exceed 5 working days from the date when the accepting institution receives the real estate registration certificate.

References:

Shanghai Housing Provident Fund Network-Personal Housing Loan