First of all, the borrower who applies for a loan needs to establish a housing provident fund account for more than one year, and at the same time needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to: continuous monthly deposit, early deposit and supplementary payment of housing provident fund.
Secondly, after the above conditions are met, the borrower's provident fund account must be in the state of deposit when applying for a loan.
In addition, for the approved units that are in a deferred payment state, their employees can apply for loans on the condition that they have established a housing provident fund account for 1 year or above and paid the housing provident fund in full for 1 year or above.
Although the loan conditions in different parts of the country are not exactly the same, the general loan applicant needs to meet the following conditions:
(1) If the housing provident fund has been continuously paid in full according to the standards stipulated by the core management of housing provident fund in various provinces and cities, and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers, they can apply for housing provident fund loans.
(2) The purpose of applying for provident fund loans is to purchase, build, renovate, overhaul and decorate urban self-occupied housing. The owner of the house or the right to use the house purchases public housing; Immediate family members who live together with the owner or user of the house may apply for provident fund loans.
(three) the borrower should have a stable income, good personal credit and the ability to repay the loan principal and interest.
(four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing.
(five) to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management.
(6) Other prescribed conditions.
Those who meet these conditions can apply for housing provident fund loans.
Transfer from: legal think tank