1. Employees who have paid housing provident fund in Shenzhen shall apply for provident fund loans as applicants in accordance with relevant regulations. If the registered employees in this city are employed in different places and pay the housing provident fund, they will buy the first set of housing in this city, and their spouses can apply for provident fund loans to this city's provident fund center with the proof of payment (including details of payment) issued by the Employment Provident Fund Center.

2. After receiving the qualified application materials for provident fund loans submitted by employees, the business outlets shall complete the loan acceptance within 5 working days, and the provident fund center shall make a decision on whether to issue loans within 5 working days from the date when the business outlets complete the acceptance. Where loans are issued, the employees and the entrusted banks shall go through the formalities of signing provident fund loan contracts, guarantees and other loans; If the loan is not granted, the reasons shall be explained;

3. The loanable amount of the provident fund loan is 14 times the sum of the balance of the applicant's provident fund account or the sum of the loanable amount calculated by the applicant and the balance of the applicant's provident fund account. When the loanable funds amount of provident fund loans is insufficient, the provident fund center will accept employees' applications in accordance with the waiting rules and issue provident fund loans to eligible applicants;

4. The term of provident fund loan is years. The longest loan period of ordinary provident fund loans shall not exceed 30 years, and the sum of the loan period and the applicant's age at the time of applying for loans shall not exceed 70 years; If the applicant transfers the loan to the public, the sum of the repayment period of the original commercial housing mortgage loan and the commercial transfer loan period shall not exceed 30 years, and the sum of the above loan period and the applicant's age when applying for the loan shall not exceed 70 years;

5, provident fund loan interest rate in accordance with the relevant provisions of the state. After the issuance of provident fund loans, if the national provident fund loan interest rate is adjusted, the provident fund center will adjust the loan interest rate quarterly;

6. Provident fund loans can be secured by mortgage. If the secured property is insufficient to repay the loan balance, the borrower shall increase the corresponding guarantee.

Shenzhen housing provident fund loan application conditions are as follows:

1. A housing provident fund account has been opened, and the housing provident fund has been paid in full and on time in this city for six months before the month of applying for the loan, and the provident fund account was in a normal state of payment when applying for the loan;

2. The applicant and * * * the same applicant have no provident fund loan or have paid off the provident fund loan in this city; The applicant's parents are * * * and the applicant, and both parents should have no provident fund loan or paid off the housing provident fund loan in this city;

3. The applicant and those who participate in the calculation of the loanable amount of the provident fund loan have the ability to repay the principal and interest of the loan and have a good credit status;

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;

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

The procedures for handling provident fund loans are as follows:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide relevant information;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

To sum up, according to the provisions of Shenzhen housing provident fund loans, the loanable amount of provident fund loans is not higher than the maximum amount of single housing provident fund loans. The maximum amount of eligible employees' individual housing provident fund loans will be raised from 500,000 yuan to 700,000 yuan, and employees' family provident fund loans will be raised from 900,000 yuan to 6.5438+0.26 million yuan.

Legal basis:

"Shenzhen housing provident fund loan management regulations" article 8.

Employees who have paid housing provident fund in this Municipality shall apply for provident fund loans as applicants in accordance with these provisions.

If a registered employee of this Municipality who is employed in a different place and pays the housing provident fund, and his/her spouse buys the first set of housing in this Municipality, he/she may apply for a provident fund loan from this Municipality's provident fund center according to the provisions with the proof of payment (including details of payment) issued by the employment provident fund center.

The applicant's spouse, parents and children can be the same as the applicant. If the applicant's spouse, parents and children are buyers, they shall be regarded as * * * relationship with the applicant.

Article 11

Under any of the following circumstances, you cannot apply for provident fund loans:

(a) the housing purchased by the applicant has other rights holders except the spouse, parents and children;

(two) the share of property rights in the purchase of a single house (except for the houses with property rights);

(three) the sale of houses between the applicant and his parents, spouse and children;

(4) The applicant and the applicant who calculated the loanable amount failed to pay the provident fund in accordance with the relevant provisions, and there were illegal situations such as fraudulently obtaining the provident fund, adjusting the deposit base, and paying the provident fund by affiliated units;

(five) after paying off all the principal and interest of the provident fund loan, the remaining commercial housing mortgage loan applicants turn to public loans.