1, and the conditions of provident fund loans are as follows:
(1) has a valid permanent residence in the town where the loan is located, and can provide a valid residence certificate;
(2) The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;
(3) The self-financing of the first suite reaches more than 30% of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
(4) The borrower has a legitimate job and a stable income, a fixed monthly salary and a clear intention to repay the loan;
(5) The purchase contract or contract signed with the house sales office;
(6) meeting other conditions agreed by the trustor and the trustee.
2. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
2. What are the loan targets of the housing provident fund?
1, with valid identification;
2. 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;
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.