Extended data:
At present, the existing commercial loans to provident fund loans need materials are:
1, ID card, household registration book and marriage certificate of the borrower and spouse;
2. The purchase contract and real estate value-added tax invoice filed by the real estate transaction department;
3. Loan contract of commercial bank, outstanding loan balance table (within 1 month) and recent 1 year repayment details (printed by credit system);
4. Credit report of husband and wife (valid within one month);
5. Primary borrower's first-class bank card.
1. People who have used provident fund loans twice belong to loan-restricted groups.
The policy of provident fund loans is completely different from that of commercial loans. Only provident fund loan records are recognized, and commercial loan records are not recognized. In other words, even if you have used commercial loans to buy a house, you can also use provident fund loans if you are qualified to buy a house.
The same three suites are all restricted loans, so if there are two or more provident fund loan records, it naturally belongs to the third mortgage and belongs to the restricted loan population.
2. If the provident fund has not been paid for 6 months, it does not meet the provident fund loan policy.
The provident fund loan policy stipulates that the purchase of owner-occupied housing can apply for provident fund loans or portfolio loans, which must meet three conditions:
(1) In Wuhan Provident Fund Center, sub-centers and sub-offices, personal accounts of provident fund have been opened for 6 months, and the current account status is normal;
(2) Within six months from the date of applying for the provident fund loan, the provident fund will be paid in full and normally, and it will not be regarded as normal payment after the deadline;
(3) The provident fund account has a deposit balance of six months. So if you don't meet the basic conditions of provident fund loans, you can't use provident fund loans.
The policy stipulates that the deposit shall be made continuously and normally for more than 6 months, specifically referring to the continuous payment before buying a house, and the overdue payment is not counted. That is to say, if you apply for provident fund loan in June of 20 1 1, then the minimum requirement is six months before June of 20 1 1 (May to June 1). If it stops in August, it will be sent again in September. The provident fund center will not agree to the loan, which does not meet the requirements for provident fund loans.
It should be noted that the borrower and spouse have no housing provident fund loan to repay their debts, and there are no other outstanding debts with a large amount that may affect the repayment of provident fund loans; The provident fund loan has not been paid off for 6 months, so you can't buy a second suite with the provident fund loan.
3. Non-residential property cannot use provident fund.
According to the policy, employees who buy their own houses can apply for housing provident fund loans and withdraw housing provident fund. If the purchased house is used for non-residential, commercial, commercial-residential dual-use houses or serviced apartments, you cannot apply for provident fund loans or withdraw provident fund. Provident fund is a loan for self-occupied housing such as commercial housing, affordable housing and fund-raising cooperative housing. Therefore, when buying a house, you need to consider the nature of the use of the property.
4. The area of the first house with provident fund loan exceeds140m2.
The purpose of the provident fund to restrict the second suite is to curb speculative housing purchase and support independent and improved housing consumption. As long as you have a record of buying a house, whether it is a loan or a one-time payment, you can find it in the bank credit information system and the real estate bureau system. As long as the area exceeds 140 square meters, you cannot apply for provident fund loans.