Provident fund is a policy loan, and it will be approved if it meets the policy requirements. Housing mortgage loans issued by housing provident fund management institutions are targeted at employees who have paid housing provident fund and retired employees of remittance units (not every provident fund management center issues provident fund loans to retired employees), and the loan targets must meet the following conditions:
1. The housing accumulation fund has been paid continuously for 12 months or has been paid for more than 24 months and is still being paid.
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 housing provident fund management center and its sub-centers and management departments.
5, in line with other conditions stipulated by the housing fund management center.
In any of the following circumstances, you cannot apply for provident fund loans:
(1) The housing purchased by employees has other rights holders except spouses, parents and children;
(two) the purchase of a single set of housing property rights;
(three) the sale of houses between employees and their parents, spouses and children;
(4) The applicant and * * * the same applicant fail to pay the provident fund in accordance with the Regulations on the Administration of Housing Provident Fund, or there are illegal and illegal situations such as fraudulent collection of provident fund, adjustment of the deposit base, and deposit of provident fund by affiliated units.
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