1. The first home loan before was a bank commercial loan, not a provident fund loan; There are no outstanding provident fund loans.
2. The number of periods of continuous payment of provident fund meets the minimum requirements of the local provident fund management center, and it is generally paid continuously for more than 6 months.
Two, provident fund loans refers to the housing provident fund workers enjoy loans. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Explain in detail that the target of provident fund loan is employees who have permanent residence in local towns, have established housing provident fund system for more than 2 years and pay housing provident fund according to regulations. In the purchase or construction of housing or renovation or overhaul of their own housing funds are insufficient, you can enjoy provident fund loans.
Three, provident fund loan conditions are:
1. The total provident fund paid by the borrower and his family members shall be at least 30% of the newly purchased (overhauled) housing expenditure;
2. The borrower has a stable economic income and the ability to repay the principal and interest;
3. The borrower agrees to handle housing mortgage registration and insurance;
4. Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers;
5. At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.