I. Conditions required for purchasing a house with provident fund loans:

1. According to the requirements of provident fund loans, buyers should have their own provident fund account number, pay the housing provident fund in full and on time for half a year or more, have good credit and have the ability to repay the loan principal and interest.

2. It is the affordable housing that the individual urban workers and their units must pay continuously, which is recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, paid housing contract or relevant documents;

3. Mortgage the real estate listed in the signed house sales contract to the lender, and give the lender priority mortgage and compensation as a guarantee for repayment of principal and interest;

4. The borrower has the ability to pay not less than 30% of the funds needed for house purchase;

5. Other conditions stipulated by the lender.

Second, please deal with:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) Identity cards, household registration books and other valid residence certificates of the applicant and spouse),

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) Documentary proof of procurement efficiency;

(5) The list of mortgaged property and pledge, the certificate of ownership and the certificate that the person with the right to dispose of it agrees to mortgage and pledge issued by the relevant department.

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. The bank accepts the audit in time and submits it to the provident fund center in time.

3, reserve, and timely notify the bank of the approval results.

Third, the loan amount.

The maximum amount of most provident fund loans, such as a single housing provident fund loan in Chengdu, is 600,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan, and the maximum number of applicants is two or more.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Second, the new policy of railway housing provident fund loans

I. New Provisions for Railway Provident Fund LoanThe new provisions for railway provident fund loans are to apply for provident fund loans for the first time. The maximum loan amount is 600,000 yuan, and the loan amount does not exceed 70% of the total price of the purchased house (the purchase area can be relaxed to 80% if it is less than 90 square meters); Employees apply for provident fund loans for the second time, and the maximum loan amount is 500,000 yuan, and the maximum loan amount does not exceed 40% of the total housing price. Calculation of loan amount: loan amount = (sum of employee provident fund monthly contribution/unit and individual contribution ratio, sum of spouse provident fund monthly contribution/unit and individual contribution ratio) × loan coefficient×12 months× loan period. 2. What information do you need for railway provident fund loans? The information required for railway provident fund loans is as follows: 1. Original and photocopy of the borrower's ID card; 2. The original and photocopy of the spouse's ID card; 3. Provide relevant certificates of the Railway Bureau; 4. A copy of the original account of the borrower; 5. Original and photocopy of the house purchase contract. Application form for provident fund. Iii. Railway provident fund loan process: 1. The loan user first consults the corresponding provident fund management department and submits the required information; 2 provident fund management department for preliminary examination; 3. Review the guarantee qualification of the guarantee center; 4. Both parties sign the contract; 5. Pass all information to the handling bank; 6 in line with the loan conditions, the issuance of loans. Legal basis: "Regulations on the Management of Housing Provident Fund" Employees can withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (five) to repay the principal and interest of the owner-occupied housing loan; (6) renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. (seven) life is difficult, to receive urban subsistence allowances; (eight) the occurrence of unexpected events, causing serious difficulties in family life; (nine) migrant workers, terminate the labor relationship with the unit.

Third, the railway provident fund loan process

I want to ask, has the provident fund center started to handle it? How to make an appointment?

4. What is the process of handling railway housing provident fund loans?

Railway accumulation fund is the housing accumulation fund for railway workers and a welfare for railway workers. Like the local provident fund, it has management institutions, mainly railway departments. On-the-job employees who have paid the housing provident fund in full and normally for 6 months or more in the railway sub-centers can apply for provident fund loans when purchasing their own houses in the railway system. Procedures required for railway provident fund loans: Preparation materials to meet the requirements of railway provident fund loans:

1. Original and photocopy of the borrower's ID card;

2. The original and photocopy of the spouse's ID card;

3. Provide relevant certificates of the Railway Bureau;

4. A copy of the original account of the borrower. Original and photocopy of the house purchase contract. Application form for provident fund. Railway provident fund loan process: 1. The loan user shall first consult the corresponding provident fund management department and submit the required information; 2, the provident fund management department for the first instance; 3. Review the guarantee qualification of the guarantee center; 4. Both parties sign the contract;

5. Pass all information to the handling bank;

6, with the loan conditions, loans.