Legal subjectivity:

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. The state stipulates that all employees who have paid housing provident funds can apply for provident funds in accordance with the relevant provisions of provident fund loans. Loans, Dongguan Provident Fund loan application conditions are as follows. Provident Fund Loan Conditions The applicant for a Housing Provident Fund loan and the person with the property rights of the mortgaged house must be a natural person who is over 18 years old and has full capacity for civil conduct. At the same time, the following necessary conditions must be met: a. Payment status requirements. In any city of Dongguan, Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, and Zhaoqing, the housing provident fund has been paid and deposited normally for 12 months without any arrears, missed payments, back payments, or sealing. Employees who have paid housing provident funds in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, and Zhaoqing cities and apply for a loan to purchase a self-occupied house in Dongguan, in addition to providing the "Proof of Housing Provident Fund Deposit and Loan Status" issued by the Housing Provident Fund Management Center of the place of deposit, ", "Letter of Commitment Agreeing to Suspension of Withdrawal of Housing Provident Fund" and housing provident fund payment details in the past year, the applicant should also provide any of the following proofs: 1. Proof of household registration in Dongguan; 2. Proof of residence in Dongguan for single employees Proof of social insurance payment for more than one year, and the social security payment unit and housing provident fund payment unit are the same legal entity; 3. Married employees must provide proof of social insurance payment of their spouse in Dongguan for more than one year. b. Credit status requirements. The maximum overdue number of personal loans in the applicant's personal credit report does not exceed 3 periods (inclusive), and the applicant and his or her spouse have (2) Restrict loan conditions or deny the loan a. Personal housing loan (including housing provident fund loan or commercial loan) If the loan is overdue for 10 times in total and has not been settled or has been settled for less than two years, the loan will not be granted. b. If an employee conceals or falsely reports his or her marital status, direct family relationship, house purchase behavior, number of houses, etc. when applying for a housing provident fund loan, the loan will not be granted within 5 years from the date of identification of the behavior. c. Those who fabricate withdrawal conditions or use forged documents to withdraw housing provident funds will not be granted a loan within 5 years from the date of identification of the act. d. When applying for a housing provident fund loan for purchasing a "double house" or "multiple house", you must explain the facts truthfully. If you fail to report it, the loan will not be granted. Loan repayment (1) Repayment ability requirements. The total monthly payment of all loans for employees shall not exceed 55% of their family’s monthly income. The applicant's monthly family income refers to the sum of the monthly income of the applicant and his or her spouse. For singles, only the applicant's monthly income is calculated. The calculation method is as follows: Family monthly income = applicant's monthly income + spouse's monthly income. Applicant's monthly income = the month of application. The applicant's housing provident fund remittance payment amount (including individual and unit contributions, the same below) ÷ (unit payment ratio + individual payment ratio) Spouse's monthly income = spouse's housing provident fund remittance payment amount in the month of application ÷ (unit payment ratio Ratio + personal deposit ratio) (2) Special requirements for collection and repayment accounts. First, the applicant's loan amount must be transferred to a bank account opened in the name of the seller (or the entrustee certified by the notary department as the seller's entrustment), and shall not be transferred to the applicant's personal account (for construction, renovation, or overhaul of self-occupied housing). and renovation of self-occupied commercial housing, commercial-to-public loans are excluded). Second, the repayment account and collection account must provide a valid RMB current savings account opened in Guangdong Province (except Shenzhen City)