1. The housing accumulation fund shall be continuously paid in full and on time before the month of applying for the loan to reach the prescribed time limit.
2. The down payment for house purchase (construction) shall not be less than the specified proportion.
3. Provide loan guarantee as required.
4. It has stable economic income and loan repayment ability, and its personal credit status is good.
5 employees and their spouses have no housing provident fund loans or have paid off all housing provident fund loans.
6. Other conditions recognized by the provident fund management committee.
The information to be provided is:
1. joint card of housing provident fund (1 original inspection);
2. Valid identity certificate (2 copies, original inspection);
3. Marriage certificate (original and 1 copy);
4. Second-hand housing sales contract (1 original inspection);
5. Original property ownership certificate and seller's ID card (copy);
Proof of property inquiry of all family members of the loan applicant within 6.30 days (original);
7. Proof of down payment for house purchase (including deposit receipt and bank transfer document issued by the seller) (1 original inspection);
8. Repayment account (debit card or passbook of the entrusted bank, 1 copy and original inspection);
9. Other materials that need to be issued.
Second, the pure provident fund second-hand housing loan process
1. Book online
Staff → log in to official website → log in to the service hall → log in (with digital certificate/key) → click on the "business reservation" module → fill in the information → make an appointment at the time and place.
2 provident fund management center office hall to accept
The applicant → hold the required application materials → the service hall of the central management department → the center accepts the materials and conducts examination and approval (within 5 working days) → the examination and approval results.
3. Contract signing and bank loans
The applicant gets the result (within 5 working days) → signs the contract at the bank resident counter in the service hall of the central management department → waits for the approval of the entrusted bank → the borrower and the entrusted bank handle the relevant loan procedures → meets the loan conditions (within 5 working days) → the entrusted bank issues the loan.
4. Business completion
The borrower collects information at the bank resident counter in the service hall of the central management department.
Third, the provident fund portfolio second-hand housing loan process
(1) online booking
Staff → log in to official website → log in to the service hall → log in (with digital certificate/key) → click on the "business reservation" module → fill in the information → make an appointment at the time and place.
(2) The service hall of the provident fund management center accepts portfolio loans and public loans.
The applicant → hold the required application materials → the service hall of the central management department → the center accepts the materials and conducts examination and approval (within 5 working days) → the examination and approval results.
(3) Apply for commercial loans
The applicant → hold the required application materials → go to the resident counter of the bank in the service hall of the central management department → apply for a commercial loan → the entrusted bank shall examine and approve the commercial loan application (the examination and approval time shall be stipulated by each bank) → the examination and approval result.
(4) Sign a contract
The applicant shall sign the contract at the resident counter of the bank in the service hall of the central management department within 5 working days after receiving the approval result.
(5) Bank loans
The borrower and the entrusted bank handle the relevant loan procedures → meet the loan conditions (within 5 working days) → the entrusted bank issues loans.
(6) Business completion
The borrower collects information at the bank resident counter in the service hall of the central management department.
References:
Interim Provisions of Shenzhen Municipality on the Management of Housing Provident Fund Loans:/xxgk/zcfg/dffg/201504/t 20150424 _ 2863000.htm.
Shenzhen Provident Fund Management Center official website:/