Application-Basic conditions for housing provident fund loan:

1. Have permanent residence or other valid residence status in this city and have full capacity for civil conduct;

2. A legal and effective house purchase contract or agreement has been signed, and the down payment for house purchase has been paid according to the specified proportion;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly in the first 6 months when applying for a loan;

5. Personal credit is good. In the personal credit report, the maximum overdue period of personal loans in the two years before the application for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding those overdue due to non-borrower reasons such as bank management;

6. There are no other debts with a large amount that may affect the repayment ability of the loan;

7. The monthly expenses for repaying various housing loans, including the individual housing provident fund loans to be applied for, shall not be higher than 5% of the family's monthly income, and after deducting the monthly repayment expenses, the family's monthly income shall not be lower than the minimum living standard of this Municipality;

8. Other conditions stipulated by laws and regulations.

Information and process required for handling provident fund loans:

Most cities have stipulated the maximum amount of a single housing provident fund loan, for example, the maximum amount of a single housing provident fund loan in Chengdu is 6, yuan; The maximum amount of housing provident fund loans in Guangzhou is 5, yuan for individuals and 8, yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund shall not exceed 7% of the total house payment;

to apply for provident fund loan, the monthly repayment/monthly income should be no more than 5% (in which: monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities). The loan period of housing provident fund is 1-3 years, and shall not be longer than the time when the borrower is away from the statutory retirement age; Employees approaching retirement age may appropriately relax the loan period for 1-3 years on the basis of considering their loan repayment ability.

1. To apply for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(1) Proof of the applicant's and spouse's housing provident fund deposit;

(2) the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence documents) and the marital status certificate;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid documents such as contracts and agreements for housing purchase;

(5) Collateral used for guarantee, list of pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) The Provident Fund Center requires a third-party guarantor to provide the guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(7) other information required by the provident fund center.

1. The bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.

2. the provident fund center is responsible for approving loans and informing banks of the approval results in time.

3. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

4. In case of mortgage, the borrower shall go through the mortgage registration formalities with the property right management department in the area where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. If the mortgage is pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.