First, to apply for housing provident fund loans, we must first meet the following conditions.
(1) Have permanent residence or other valid residence status in this city and have full capacity for civil conduct.
(2) When signing a legal and effective purchase contract or agreement, pay the first payment in accordance with the prescribed proportion.
(3) the ability to repay the loan principal and interest on time, as well as a stable occupation and income.
(4) You can apply for a loan only after you have paid the housing provident fund in full for 6 months.
(5) Personal credit is good.
(6) There are no other large debts that can affect the loan repayment ability.
(7) The monthly expenditure is not higher than 50% of the family's monthly income to repay all kinds of housing loans, including the individual housing provident fund loans to be applied for, and the family's monthly income is not lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure.
(eight) meet other conditions stipulated by national laws and regulations.
Two, for housing provident fund loans required information and chain flow:
(1) Go to the office window of the local housing provident fund management center and fill in the Approval Form for Housing Provident Fund Loan Application in triplicate.
(2) The original and photocopy of the household registration book, ID card and marriage certificate of the borrower and spouse, and the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department for single residents.
(3) Copy of the completion acceptance certificate, business license, commercial housing sales license, commercial housing pre-sale license (forward delivery) of the housing development unit, and the original and photocopy of the big house certificate. Or other legal and valid original and photocopy of the house purchase contract.
(4) For the house secured by mortgage or pledge, the original and three copies of the ownership certificate of the mortgage or pledge right shall be provided, as well as the original and three copies of the written certificate that the person with the right to dispose of it agrees to mortgage (pledge).
(5) The guarantor shall issue three original written commitments to provide guarantee. And provide the guarantor with certification materials (including credit rating certificate, business license, qualification rating certificate, financial statements for the last three years, etc.). ) in triplicate.
(6) Original and three copies of down payment documents (bank bills, invoices, cash payment bills, receipts, etc.). ) the borrower has paid more than the specified proportion of the purchase price.