Provident fund loan is a common loan method, which can solve the housing fund problem well, especially in a big city like Shenzhen. What are the conditions for Shenzhen provident fund loan? Shenzhen provident fund loan conditions: the employee himself is the applicant for provident fund loan, and the spouse should be the same applicant; Parents who deposit housing provident fund in this city may be the same applicant. 1. The applicant and * * * together with the applicant have paid the housing provident fund in full and on time for 6 months in this city before the month of application, and the application is in a normal payment state; 2. The applicant, * * and the applicant have no provident fund loans or have paid off the provident fund loans in this city; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city; 3. The applicant and the respondent have the ability to repay the loan principal and interest, and their credit status is good; 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 specified requirements; 6. The loan application meets the requirements of national, provincial and municipal real estate market management policies; 7. Meet other conditions stipulated by the provident fund management committee.

II. 20 14 Shenzhen Provident Fund Loan Policy

Hello, if you need to handle our loan business, the following is the housing provident fund loan of Shenzhen Branch. The applicant's conditions are: the employee himself is the provident fund loan applicant, and the spouse should be the same applicant; Parents who deposit housing provident fund in this city may be the same applicant. Except for spouses, parents and children, employees cannot apply for provident fund loans with the houses purchased by all others. Employees who purchase affordable housing and commercial housing (residential) and apply for provident fund loans should pay the housing provident fund for six months in a row with the same amount as employees who participate in the calculation of the loanable amount of provident fund loans (the repayment month is not included in these six months), and also need to meet the above conditions. If you can be the same applicant as * * *, but the applicant has no provident fund loan or has paid off the provident fund in this city, both parents should have no provident fund loan or paid off the 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 provides a guarantee that meets the requirements of these Provisions; 6. The loan application meets the requirements of national, provincial and municipal real estate market management policies; 7. Meet other conditions stipulated by the provident fund management committee. How to specify the loan currency and loanable amount: the loanable amount of provident fund loan is 12 times of the balance of the applicant's housing provident fund account and the principal and interest calculated by the equal principal and interest repayment method shall not exceed the applicant's housing. If there are * * * applicants and * * * applicants who have paid housing provident fund in this city, the deposit base of housing provident fund is the sum of the deposit base of themselves and * * * applicants (parents can be * * * applicants). 2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. Appraisers purchase the first suite with an area of less than 90 square meters (including 90 square meters) with a down payment ratio of not low; The area of the first house is less than 30% of the total purchase price, and the down payment ratio of the second house is not less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loan of the combined lender shall be subject to the maximum amount of a single housing provident fund loan of a commercial bank. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan with the applicant is 900,000 yuan (if Jin Shen or the continuous provident fund has been deposited for less than six months and can only be regarded as the same applicant, the maximum amount of the loan is 500,000 yuan). 4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the center). I hope the above reply is helpful to you!

Third, Shenzhen provident fund loan policy

1. Shenzhen provident fund loan policy is as follows: 1, the provident fund has been fully paid for more than 6 months, the account is normal, it has repayment ability, and its credit status is good: the applicant and the applicant who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for more than 6 months before the month of application (excluding the month of application), and the provident fund account is in a normal state at the time of application (it is abnormal that the account is sealed) 2. No provident fund loan or paid-off provident fund loan: the applicant and * * * have no provident fund loan or paid-off provident fund loan in this city; If one of the applicant's parents is the same applicant, the other party should also have no provident fund loan or have paid off the provident fund loan in this city; 3. Paid down payment: the applicant has paid the down payment for the house purchase according to the regulations; 4. Providing guarantee: The applicant agrees to provide guarantee that meets the requirements of these Rules; 5. Compliance with policy requirements: the loan application meets the requirements of national, provincial and municipal real estate market management policies; 6. Meet other conditions: meet other conditions stipulated by the provident fund management committee. Second, the information needed to apply for provident fund loans is the information that proves the identity of you and your spouse. The second is the information that proves your buying behavior. The third is the information about applying for a loan. The fourth is the information of repayment settlement. Prompt the materials that should be provided for applying for individual housing provident fund loans: 1, and a copy of the ID card of the applicant, spouse and eligible immediate family members to participate in the quota calculation; 2, the applicant and his spouse and eligible immediate family members to participate in the calculation of the amount of copy of the household registration book; 3. The original house purchase contract that meets the requirements; 4. Purchase advance payment invoice of 20% or more of the purchase price; 5, loan application form (spouse and immediate family members agree to use their housing provident fund to participate in the calculation of the amount, must sign the loan application form); 6, the borrower and his spouse and eligible immediate family members to participate in the calculation of individual housing provident fund account amount; 7. To apply for provident fund loans through ICBC, ICBC Peony Credit Card, Smart Card or Current Savings passbook are required. Legal basis: Item (1) of Article 9 of the Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Loans. The applicant and the applicant who calculated the loanable amount have continuously paid the provident fund in full and on time in this city or other places within 6 months before the month of application, and they are in a normal state at the time of application. The deposit time of provident fund in this city and other places can be calculated together; (two) the applicant and the applicant's family have no provident fund loans in this city or have paid off the provident fund loans; (three) the applicant and the respondent have the ability to repay the principal and interest of the loan, and their credit status is good, and they have no credit record as stipulated in Article 12 of these Provisions; (4) The applicant has paid the down payment for the house purchase as required; (five) the applicant agrees to provide a guarantee that meets the requirements of these Provisions; (six) the loan application meets the requirements of the national, provincial and municipal real estate market management policies.

4. How to borrow 800,000 yuan from Shenzhen Personal Provident Fund?

1. The lender needs to go to the bank to submit a written application for housing provident fund.

2. Prepare the materials needed for the loan, and submit them to the provident fund center after examination by the bank.

3. The CPF Center will notify the bank as soon as it is approved.

After receiving the notice, the bank will inform the applicant to go through the loan formalities.