Legal analysis: Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

20 15126, Guangzhou provident fund center began to implement the housing provident fund individual housing loan policy in different places.

(1) loan application

1. Loan conditions Employees applying for housing provident fund off-site personal housing loans must meet the following conditions at the same time:

(1) Guangzhou registered employees who have paid housing provident fund in other places buy self-occupied houses in Guangzhou;

(2) individual housing loans that have not used the housing provident fund, or individual housing loans that have been settled for the first time;

(3) Meet other application conditions of Guangzhou housing provident fund personal housing loan and relevant regulations of Guangzhou on house purchase.

Legal basis: Guangzhou Housing Provident Fund Personal Housing Loan Implementation Measures.

Article 5 The loan target refers to the employees who have paid the housing provident fund in the provident fund centers of this Municipality or other cities in China according to regulations.

Article 6 To apply for a housing provident fund loan, the deposit of employees shall meet the following conditions:

(a) mainland residents have People's Republic of China (PRC) * * * household registration and valid identity cards; Compatriots from Taiwan, Hong Kong and Macao hold mainland travel permits or residence permits for Taiwan, Hong Kong and Macao residents; Foreigners with permanent residency in China hold passports and permanent residence identity cards for foreigners;

(2) When applying for a loan, the registered employees in this city have continuously paid the housing provident fund in full 1 year or more (inclusive), and the non-registered employees have continuously paid the housing provident fund in full for more than 2 years (inclusive); The deposit time in different places and the deposit time of retired soldiers can be combined with the deposit time in this city;

(3) Having a house purchase contract confirmed by the real estate registration department where the house is located, and being able to handle mortgage and guarantee procedures;

(4) Housing for which the down payment is paid as required;

(five) with full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the principal and interest of the loan;

(six) housing provident fund deposits are given priority to repay housing provident fund loans.