The deposit conditions of housing provident fund need to meet the following conditions: first, the borrower's self-raised funds with a down payment of not less than 30% of the total house price; Secondly, both husband and wife are urban workers, and the unit has paid the housing provident fund for one year; Re-borrowers have stable income, good credit and the ability to pay principal and interest; Finally, if he agrees to use the house as collateral, he must have a permanent residence in this city and a valid residence permit; The above points are the conditions for paying the housing provident fund.

1. What are the payment conditions of housing provident fund?

1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year.

2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment.

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

4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.

5, a family can only apply for a housing provident fund loan to buy a house at the same time.

6. The lender must have permanent residence or valid residence status in the town of this province (city).

7. Agree to use the purchased house as collateral.

Second, the materials needed to apply for housing provident fund:

1. The valid identity certificate and household registration book of the borrower and spouse (if any) (the second-generation ID card should be copied on the back, and the household registration book should be copied on the title page, the first page of the household registration book, and the borrower and spouse pages).

2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates.

3. The original purchase contract signed by the borrower and the selling unit.

4. The loan application form filled out by the borrower and his/her spouse (married) * * *, the deposit certificate of housing provident fund issued by the unit, the proof of salary income, and the borrower's bank card have been in the past year. 5. The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in this agreement.

Third, what is the housing provident fund?

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Four, the calculation of housing provident fund:

1. The calculation of the loan amount of provident fund shall be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

2. The calculation method is as follows:

According to the repayment ability calculation formula {(total monthly salary of the borrower and monthly contribution of the housing accumulation fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month). Usage of spouse's quota: {(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of provident fund ÷ (the proportion of unit contribution and individual contribution).

With the development of national economy, housing accumulation fund is a long-term housing reserve paid by state-owned organs, state-owned enterprises and other private enterprises for their employees, which is not only conducive to solving the housing economic problems of local urban residents, but also brings great economic benefits to national economic construction. Conditions and specific policies, specific conditions and policies should consult the relevant local social security bureau.