1. Applicable people: active military officers, civilian cadres, non-commissioned officers, retired military management cadres, etc.
2. Application conditions: the court has the ability to repay the principal and interest of the loan, has down payment funds not lower than the down payment ratio of the housing provident fund loan stipulated by the state, and provides loan guarantees that meet the requirements of cooperative banks. The house purchased is the first family house, and neither husband nor wife has applied for military or local housing provident fund loans.
3. Loan term: the longest is 20 years, and the sum of the loan term and my age is no more than 65 years old;
4. Loan interest rate: the loan interest rate of housing provident fund announced by the People's Bank of China shall be implemented and adjusted accordingly;
5. Proportion and limit of military provident fund loans: According to the Measures, according to the proportion of housing provident fund loans stipulated by the state, the average loan limit of borrowers does not exceed 400,000 yuan; If the loan limit of housing provident fund is more than 400,000 yuan stipulated by the local people's government, it shall be implemented in accordance with the provisions of the local people's government; The longest loan period is 20 years, and the sum of the loan period and my age is no more than 65 years.
6. Required loan process: Servicemen apply to the financial department of the logistics (logistics support) organ of their unit, fill in the Application Form for Military Housing Provident Fund Loan, and provide ID cards and marital status certificates of servicemen and their spouses, housing status certificates of servicemen and their spouses, relevant materials of the house to be purchased, family income certificates and other relevant materials. The financial department will review the materials together with the barracks department and report them to the competent department of the army for approval according to the organizational relationship.