Two, provident fund loans have the conditions:

1, loan object

Housing provident fund loans are targeted at employees who buy self-occupied housing in Fuzhou and employees of central units in Rong.

2, housing provident fund loan conditions (must have at the same time)

(1) Having full capacity for civil conduct;

(2) Having a formal urban hukou or valid residence status;

(3) The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

(4) The borrower has paid the housing accumulation fund continuously and normally in the last 6 months;

(five) when applying for a loan, neither the borrower nor his spouse has a housing provident fund loan;

(six) the borrower has obtained the purchase contract registered by the real estate transaction registration center;

(seven) the borrower is the purchaser, and the borrower and its owner have agreed to handle the mortgage of the house;

(eight) the purchase of ordinary self-occupied housing, the first suite down payment ratio is not less than 30% of the total price of the purchased housing; The down payment ratio of the second suite is not less than 50% of the total price of the purchased house; For non-first-home housing provident fund portfolio loans, the down payment ratio shall be implemented according to the relevant regulations of the central bank.

Third, the use of provident fund.

1, purchase owner-occupied housing

2, construction, renovation, overhaul occupied housing

3. Repay the principal and interest of the house purchase loan

4. The rent exceeds 15% of the family income.