2. It must meet the continuous monthly deposit standard, and the housing provident fund has been paid in full for more than 6 months (inclusive). If married, neither husband nor wife can guarantee the loan.
3 have a stable professional and economic income, and have the ability to repay the principal and interest of the loan on time. Moreover, the purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before the loan application.
4. Be able to pay the down payment. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.
Users need to meet the above conditions to apply for provident fund loans. At the same time, the applicant must be the head of the household or the immediate family of the head of the household, otherwise it does not meet the conditions. Moreover, whether buying a house, decorating or repairing, you need to issue corresponding procedures or documents issued by relevant departments.
Summary: Provident fund lenders also need to understand that handling provident fund loans, like commercial loans, requires borrowers to have stable income, sufficient repayment ability and good personal credit information. If the loan applicant has used personal loans earlier and has 24 outstanding loan records, he cannot apply for provident fund loans.