1. What are the conditions for applying for a provident fund loan?

Three conditions must be met at the same time:

① Open the account for more than 1 year and make full deposits for 12 consecutive months (recently);

② Currently making payments Deposit status;

③The applicant and his/her spouse have no outstanding provident funds or subsidized loans.

Special circumstances: If a borrower with a Beijing household registration makes a provident fund deposit out of town to purchase his first home, he or she can apply for a loan in Beijing with a deposit certificate issued by the provident fund management center in the place of employment.

2. When applying for a provident fund loan, what are the policies, interest rates and down payment requirements for first and second home purchases?

3. How to calculate the number of loan packages for provident fund loans?

First house: no loan record in the country (including provident fund loans, commercial loans), no house in Beijing

Second house: divorced less than one year ago or have a house in Beijing or 1 house in the country Loan records (including provident fund loans and commercial loans)

Three sets: Loan rejection (those who own two houses in Beijing or those who have two housing loan records nationwide)

IV. Provident Fund Loans , if the country adjusts interest rates, what impact will it have on the business of approved loans but not disbursed loans? When will the loan interest rate be adjusted?

① Approved loans but not disbursed: the new interest rate will be implemented according to the bank’s requirements;

② The time point for adjustment of the loan interest rate: the new interest rate will be implemented from January 1 of the following year (specifically, according to the loan execution of the contract).

5. When applying for a provident fund loan, how to calculate the loan period (how to determine the maximum loan period)?

Municipally owned: 65-the minimum age of the couple; state-owned: 69-the age of the main borrower;

The maximum loan period is calculated based on the age of the house: brick-concrete structure: age of the house + Loan period ≤ 47 years; steel-concrete: house age + loan period ≤ 57 years;

The bank requires a maximum loan period of 25 years.

The above three points are calculated at the same time, whichever is shorter.