The conditions of provident fund loans are: the borrower has good credit and a stable occupation and income; The borrower has permanent residence or valid residence status in cities and towns, and has participated in the housing provident fund system; The borrower has a house purchase contract, and both husband and wife have no outstanding housing provident fund loans and housing provident fund policy discount loans.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.
Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person with China nationality, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity. The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except as stipulated by the the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
What are the requirements for provident fund loans?
1. Residents with permanent residence in this city or other valid residence identification documents;
2. The borrower and all employees of his unit have paid the housing provident fund in full for more than half a year; Pay two years of provident fund for less than half a year;
3. The purchased owner-occupied housing conforms to the national, provincial and municipal mortgage policies (the second part needs to be met);
One * * * nine articles.
4. The down payment of the purchased house reaches the proportion stipulated in the national mortgage policy;
5. Have a stable income source to repay the principal and interest of provident fund loans on schedule, and have a good reputation;
6. There is a legal and effective commercial housing sales contract or purchase agreement;
7. The borrower must be the property owner agreed in the commercial housing sales contract or purchase agreement;
8. There is a guarantee method recognized by the provident fund center;
9 laws and regulations and other conditions stipulated by the provident fund center.
Provident Fund loan requirements
1. The borrower has legal status and full capacity for civil conduct.
2. The lender has a stable source of income, a stable occupation, the ability to repay the principal and interest of the loan and the willingness to repay.
Three. The lender has a good credit record and no bad repayment record.
Four, provident fund loans for the purchase of houses, can also be renovated, built houses, but also can build their own houses for overhaul.
Five, the purchase of non-policy housing, the provident fund account must be paid in full 12 months, of which 12 months, and the provident fund account is in the state of payment.
6. To purchase policy-oriented housing audited by government departments, it is necessary to deposit the provident fund account in full for six consecutive months, and the personal provident fund account has been registered for 12 months, and the provident fund account is in the state of deposit at the time of loan.
Seven, other circumstances, you can consult the provident fund customer service in advance.
Users who meet the conditions of housing provident fund loans can choose provident fund loans when buying a house, and the provident fund loan policies in each region are different.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
What is the process of housing provident fund loan?
1. Pre-lending consultation. If you want to apply for provident fund loans, you can go to the provident fund center to consult the information you need for provident fund loans to see if you meet the conditions for provident fund loans.
2. To submit a loan application, the borrower needs to bring his ID card, household registration book, marriage certificate, temporary residence permit, income certificate and other materials to the provident fund center to apply for a loan, fill in the application form and submit the loan information.
3. Audit of provident fund center. The provident fund center will review the identity of the borrower, and review the loan amount, loan date and repayment date to ensure the authenticity of the submitted materials.
4. Housing evaluation. After the audit is completed, the provident fund center will issue an evaluation form to the borrower, and then go to the designated place to evaluate the purchased house.
5. After signing the loan contract, the Provident Fund Center will contact the borrower to sign the loan contract at the Provident Fund Center.
6. Finally, the provident fund center will entrust the relevant banks to lend money.
What are the requirements for applying for housing provident fund loans?
To apply for a personal housing provident fund loan in Jiangsu Province, the loan applicant must meet the following conditions at the same time: 1, 18 years old natural person with full civil capacity; 2. Have a permanent residence or valid residence status in China, and pay the housing provident fund at the place where the loan is applied; 3. Have a stable professional and economic income, a good credit record and the ability to repay the principal and interest of the loan; 4. The property right of the purchased house is clear, and the buyer and the seller sign a legal and effective house sales contract or agreement; 5. Have paid or have paid a certain down payment, and can provide corresponding proof.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for provident fund loans?
Applying for provident fund loans has the following requirements: employees have paid housing provident fund according to regulations; Workers are buying, building, rebuilding or renovating their own houses; Employees have the ability and willingness to repay; And put forward a loan application to the housing provident fund management center according to law, and provided a guarantee.
legal ground
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.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
What are the requirements for applying for housing provident fund loans?
To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:
1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;
2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;
3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;
4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;
5. The applicant has paid the down payment for the house purchase as required;
6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;
7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
8. Meet other conditions stipulated by the provident fund management committee.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.