Family members and their spouses have used housing provident fund loans before or after marriage, and the cumulative use times of two people or one person have reached the standard of two times, the third loan will not be accepted, and the housing provident fund loan can only be used after continuous deposit of 12 months.
Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank.