Housing provident fund is a special fund specially provided for buying a house. Recently, a friend asked Xiaobian, can I use the provident fund for two people to buy a house? What are the conditions for applying for provident fund loans? Today, Xiaobian will answer for you. Friends who want to know may wish to take a look with Xiaobian!

1. Can you use two people's provident fund to buy a house?

You can use two people's provident fund to buy a house. But it must be a husband-wife relationship, and even the children's provident fund can't be used together. The premise for the husband and wife to use the provident fund to buy a house must be that both parties have paid the provident fund for six months in a row.

2. Requirements for applying for provident fund loans

1. Applicants must have full capacity for civil conduct;

2. The applicant must have proof of the deposit of the provident fund;

3. The applicant must have a household registration book and a certificate that can prove the marital status;

4. The applicant must normally pay the housing accumulation fund for more than one year in his/her work unit, and he/she must pay the housing accumulation fund for more than half a year, and the monthly amount of the housing accumulation fund must reach the minimum monthly payment announced by the local management committee;

5. Employees can apply for loans within five years of purchasing, constructing, renovating or overhauling their own houses;

6. The applicant must have a stable job and income, good credit and the ability to repay the principal and interest of the loan.

III. Materials for applying for provident fund loans

1. Proof of deposit of the housing provident fund of the applicant and spouse;

2. Identity cards of the applicant and spouse;

3. Proof of stable economic income of the applicant's family and other debt certificates that have an impact on repayment ability;

4. The contract for the applicant to purchase the house;

5. Proof of mortgaged items as guarantee;

6. Other information required by the Provident Fund Center.

xiaobian's summary: the above is what xiaobian shared for everyone: can I use two people's provident fund to buy a house and the conditions for applying for provident fund loans? I believe everyone will have a corresponding understanding after reading the above sharing. If you need more relevant information, please continue to pay attention to Qijia. com's website and xiaobian will answer them one by one.