Foshan provident fund loan conditions:
First of all, employees who have paid housing provident fund apply for housing provident fund loans in the self-management center of purchase, construction, renovation and overhaul.
Two, the borrower is the employee who paid the housing provident fund in our city; Employees who have not paid the provident fund in our city (employees who have paid in different places) must pay the housing provident fund in our city by the borrower or spouse.
3. Employees who have not paid the housing provident fund in our city (the husband and wife who paid in different places are registered in our city, or have paid the housing provident fund in full and on time in the first six months from the month when they borrowed the housing provident fund and met the loan application). If the personal data (or personal account) has been cancelled, the month and residence of re-opening the personal data and the payment of funds shall be subject to the situation at the time of loan application.
Four, from the month of applying for a loan, the housing provident fund has been paid in full and on time in the first six months. If you have handled personal details (or personal details and paid with funds), it will be calculated from the current month.
Second, Foshan provident fund loan conditions
Legal analysis: processing conditions: applicable to employees who have paid housing provident fund in Foshan to apply for withdrawing the storage balance in their housing provident fund accounts for retirement reasons. Processing materials: ID card, personal housing provident fund deposit and withdrawal application form, housing provident fund reconciliation account book, retirement certificate and bank account. Handling process: official website Lottery 1. Apply. Log in to the website of Foshan Housing Provident Fund Management Center, log in to the personal details of housing provident fund, and select "Extract and Update Account" to declare. 2 through the data check, meet the requirements to be declared. 3. approval. After the department accepts it, it will make a decision on approval within 3 working days. If it passes, the approval is completed. 4. Get the results. After the approval, you can print the receipt of housing provident fund business online. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, constructing, renovating or overhauling their own houses; 2 retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.
3. Can individuals in Foshan buy provident fund?
A: Yes.
Freelancers can go through the formalities of opening individual details of housing provident fund, and they need to declare according to the instructions of opening, changing, canceling and annual adjustment of housing provident fund details.
Monthly independent remittance is only applicable to company remittance, and freelancers must use entrusted withholding method, so an entrusted withholding agreement should be signed at the same time when opening an account.
Four, Foshan provident fund loan conditions
The loan conditions are as follows: (1) The borrower is an employee who has paid the housing accumulation fund in our city; If the housing provident fund is not paid in our city (paid by employees in different places), the borrower or spouse is registered in our city, or the borrower's spouse has paid the housing provident fund in our city and meets the provisions of Item (2) of this article. Discrimination against the place where the housing provident fund is paid, the place where it is registered and the married situation should be based on the situation at the time of loan application. (2) The housing provident fund has been paid in full and on time in the first six months since the month of applying for the loan, and the accumulated housing provident fund has been paid in full and on time for 1 year. If the personal data (or personal account) has been cancelled, it shall be counted from the month when the personal data is reopened and the funds are deposited. The talents and cadres who meet the requirements of the Notice on Introducing High-level Talents to Implement the Supplementary Provisions on the Pilot Reform of Housing Commercialization in Foshan Municipal Organs and Institutions (Fofu [1998]122) can apply for loans without the limitation of the payment period after opening the details of individual housing provident fund and starting to pay the housing provident fund. (three) the purchase of housing, construction, renovation, overhaul of housing, lack of funds. (four) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan. (five) to provide property that meets the requirements of these measures as collateral for loans.