Only those who meet the conditions of provident fund loans can apply for provident fund loans to buy a house. The object of the provident fund loan: the depositor who buys self-occupied housing in the city where the provident fund is deposited and deposits the housing provident fund in the housing fund management sub-center.
The housing provident fund lender shall meet the following conditions:
1, with permanent residence or valid residence status in this city.
2 have a stable occupation and income, and have the ability to repay the principal and interest of the loan.
3. Have a house purchase contract or relevant supporting documents.
4. Provide the guarantee method agreed by the sub-center.
5. Meet other conditions stipulated by the sub-center.
The number of housing units with provident fund loans can only be used twice, and buyers should be clear about the number of housing units with provident fund loans.
1 First Suite Appraisal
If the employee's family (including the principal borrower, spouse and minor children) has no housing and no housing loan record, they will use the housing provident fund loan to purchase the first set of ordinary self-occupied housing and implement the first set of housing provident fund loan policy.
2 the identification of the second suite
Workers' families belong to the following circumstances, the purchase of ordinary self-occupied housing to implement two sets of housing provident fund loan policy:
There is no house under the name of the employee's family, and there is a housing loan record and it has been settled;
The employee's family name already owns a house, and there is no housing loan record or a housing loan record and it has been settled;
Workers' families already own a house and have outstanding commercial housing loan records, which belong to this house.
3 two or more sets
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.