Shenzhen provident fund loan conditions are as follows:

1. The applicant and the applicant who calculated the loanable amount paid the provident fund in full and on time in Shenzhen or other places six months before the month of application, and the application was in a normal state. The deposit time of provident fund in Shenzhen and other places can be calculated together;

2. The applicant and his family (including husband and wife and minor children, the same below) have not had provident fund loans in Shenzhen or have paid off the provident fund loans;

3. The applicant and the respondent have the ability to repay the principal and interest of the loan, have good credit status, and have no credit record as stipulated in Article 12 of these Provisions;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

6. The loan application meets the requirements of national, provincial and Shenzhen real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the provident fund loan shall prevail, and it shall be handled in accordance with the principle of "old methods for the elderly and new methods for the newcomers". But the national, provincial and municipal real estate market management policies have been clearly defined, from its provisions.

7. Meet other conditions stipulated by the provident fund management committee.

What are the conditions for Shenzhen provident fund loan to buy a house?

First, there are deep households or have purchased social security or paid taxes continuously in the last year.

2. The provident fund has been purchased for six consecutive months recently.

Three, the total amount in the provident fund account is not less than 500.

4. The maximum personal loan of the provident fund is 500,000 yuan, and the monthly deposit amount of the provident fund is not higher than 2 times of the monthly deposit amount of the provident fund.

Five, married couples need to be signed at the scene, and family members should provide proof of no room (including children).

What are the conditions for Shenzhen provident fund loan?

Shenzhen provident fund loan requirements:

1. The applicant and the applicant who calculated the loanable amount have continuously paid the provident fund in full and on time in this city or other places in the first six months of the month of application, and they are in a normal state of payment at the time of application;

2. There is no provident fund loan in this city or the provident fund loan has been paid off; Good credit status;

3. The down payment for house purchase has been paid as required;

4. Provide guarantee.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

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.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three 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.

Housing provident fund loan conditions:

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

One of the husband and wife has applied for a housing provident fund loan, and neither of them can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

What are the loan conditions for Shenzhen provident fund to buy a house?

Conditions for buying a house with Shenzhen Provident Fund loan:

1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid housing provident fund in this city, the deposit base of housing provident fund is the sum of the deposit base of themselves and * * * applicants (parents can be * * * applicants).

2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.

If the area of the first suite purchased by employees is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; For the first house with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second house shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)

3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and * * * jointly apply with the applicant and * * * participate in the calculation of the quota, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the applicant's spouse has not paid the provident fund or has paid the provident fund continuously for less than 6 months and can only be regarded as the same as the applicant, the maximum amount of the loan is 500,000 yuan).

4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the center).

The price source network is for reference only.

This is the end of the introduction of the conditions for buying a house with Shenzhen provident fund loan and the requirements for buying a house with Shenzhen provident fund loan. I wonder if you have found the information you need?