According to the first application condition of "Individual applying for housing provident fund loan in different places" issued by Shanghai Housing Provident Fund Center:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, in other provinces and cities, the housing provident fund has been continuously paid in full for a specified period of time (6 months), and there is no agreement on the withdrawal of housing provident fund (including but not limited to the repayment agreement of housing provident fund, the agreement on the withdrawal of housing provident fund to pay rent and other agreements on the withdrawal of housing consumption); If it has been deposited in this city in history, the current housing provident fund account in this city should have been cancelled long ago;
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debt or other debts that may affect the repayment of the national provident fund loan;
7. The purchased house is a self-occupied house with ownership in this city, and the borrower must be the owner of the purchased house, and can provide relevant contracts, identity certificates, down payment certificates and other materials that meet the requirements;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.
Extended data:
The third place of Personal Application for Housing Provident Fund Loans in Different Places. Borrowers applying for loans in different places may apply to Changning Business Department and Jing 'an Business Department of Shanghai Housing Property Guarantee Co., Ltd.; If the paid employees still need to apply for commercial housing loans, they should first apply for individual housing loan business of housing provident fund at the business outlets of the entrusted banks, and then go to Changning Business Department and Jing 'an Business Department of Shanghai Housing Property Guarantee Co., Ltd. ..
The loan application materials are complete, the time limit for examination of the deposit and use certificate shall not exceed 5 working days, the loan qualification examination shall not exceed 5 working days, and the loan approval shall not exceed 3 working days; In line with the conditions for loan issuance, the time limit for loan issuance shall not exceed 5 working days from the date when the accepting institution receives the real estate registration certificate.
Shanghai housing provident fund center-individuals applying for housing provident fund loans in different places