Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

2. What are the conditions for housing provident fund to apply for loans?

The borrower has an urban hukou, has paid the provident fund in this city for more than one year, has a stable income, has the down payment fund agreed in the purchase contract, and has a loan mortgage or pledge.

Three, housing provident fund loan procedures and processes

(A) individual housing provident fund loan conditions

1. The borrower has a town account;

2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;

4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds;

5. Assets specified in the Civil Code are mortgages or pledges of loans;

6. Agree to handle the purchase guarantee or mortgage property insurance;

7. Agree to other conditions stipulated in the housing provident fund management.

(two) personal housing provident fund loan income certificate

1, the salary certificate of provident fund loan needs to be issued by the work unit, which is generally the responsibility of the personnel department. It should be noted that some friends have already left their jobs or just joined a new company when they apply for loans. In this case, the bank will generally not agree to your loan request. Therefore, friends who want to apply for provident fund loans should not easily jump ship before the loan.

For self-employed people who can't issue salary certificates, they can explain the situation to the bank and make an auxiliary proof of repayment ability to the bank.

2. What are the requirements for filling in the salary certificate of provident fund loans?

(1) Fill in the salary amount truthfully, and the amount filled in shall be subject to the actual salary;

(2) Be sure to affix the seal of the unit wage department or the official seal of the unit, and the subject name of the seal should be consistent with the name of the unit housing provident fund account;

(3) The certificate was issued in the month or last month of the application date;

(4) Try to use printed copies to avoid mistakes;

(5) The original salary certificate must be provided, that is, the company's seal must be bright red, and the copy (whether black and white or color printing) cannot be used.