Not all houses can apply for provident fund loans. According to the regulations, the following types of houses can apply for provident fund loans: 1, commercial houses (developers must sign loan cooperation agreements with the municipal housing provident fund management center); 2, the current housing (that is, housing reform to buy property rights); 3. Second-hand houses (stock houses are listed and traded); 4. Houses without property rights (must be mortgaged by the ownership of their own or third-party houses); 5 auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center).
In addition, you also need to know the conditions for handling provident fund housing loans:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.