1. Loan target: local registered residents in Ganzhou and non-local registered residents who have continuously paid provident fund in Ganzhou for 1 year.

2. Loan amount: 80% of the total loanable house price.

3. Loan interest rate: it is implemented according to the benchmark interest rate announced by the central bank in the same period. At present, the Implementation Table of Individual Housing Provident Fund Loan Interest Rate issued on June 8, 20021is implemented.

4. Repayment method: You can choose the repayment method of equal principal and interest or average capital.

5. Application conditions: The applicant must meet the relevant conditions and requirements of Ganzhou provident fund loan, such as a stable source of work and income, the time and amount of provident fund deposit, etc.

Provident fund loan standards are as follows:

1. Customer's credit information is good.

Applying for provident fund loans requires customers' credit reports, non-performing loan records, frequent inquiries, long-term loans, etc. If there is, it will deepen the concerns of the provident fund center and affect the final loan result;

2. The status of the provident fund account is normal.

The customer's provident fund account can't be sealed, so customers should pay attention to the stability of their work after planning to apply for provident fund loans, and don't leave their jobs at will, which will interrupt the payment of provident fund;

3. The balance of the provident fund account is sufficient.

If the customer intends to apply for the full amount of provident fund, the deposit base of provident fund and the balance of provident fund account will be more. Under normal circumstances, the loan amount of the provident fund is 10 to 20 times of the account balance, so customers can simply calculate it;

The income is more than twice the monthly payment.

In order to ensure that the customer has sufficient repayment ability, the monthly income of the customer needs to be at least twice the monthly contribution of the provident fund. If the customer still has outstanding foreign debts, this standard will be raised;

5, continuous payment 12 months or more.

Some areas also require customers to deposit provident fund, and customers will be required to deposit provident fund 12 months before they can make loans;

6, housing area does not exceed the limit.

Some regional provident fund centers have requirements for the area of houses purchased by customers, especially when buying second suites, the restrictions will be more obvious, and customers can understand clearly in advance;

7. Age does not exceed the limit.

Generally speaking, the term of the provident fund loan shall not exceed 5 years after the borrower retires. The older the customer is, the harder it is to borrow it.

8. There is no provident fund loan under his name.

Under normal circumstances, customers cannot have multiple provident fund loans under their names. Customers who have other outstanding provident fund loans cannot apply for provident fund loans again.

9. The debt ratio is not high

In general, the lower the debt ratio of customers, the less the debt pressure. The Provident Fund Center will require customers to have a debt ratio below 50%. If the debt ratio is too high, the provident fund center will directly reject the customer's loan application.

10, the number of loans did not exceed the limit.

The number of provident fund loans is limited. Under normal circumstances, the number of provident fund loans should not exceed two. Customers can consult their local provident fund center for details.

1 1. The house cannot be a small property right house.

Provident fund loans to buy a house can only be commercial housing, affordable housing, price-limited commercial housing. If the customer intends to buy a small property right house, it is generally impossible to apply for a provident fund loan.

To sum up, if the overdue loan is deducted from the provident fund, it will be reported to the credit bureau. General provident fund loans have no grace period, so even if they are overdue, they still have to bear the corresponding overdue consequences, and the provident fund center will report the overdue situation to the credit bureau.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.