Two, according to the relevant provisions of the "detailed rules for the implementation of Dezhou housing provident fund off-site personal housing loans (Trial)":

(1) Off-site loan deposit outside the administrative area of Dezhou refers to employees who have paid housing provident fund in other cities of the country and at least one spouse is registered in the administrative area of Dezhou. Those who purchase self-occupied housing within the administrative area of Dezhou City may apply for individual housing loan from the housing provident fund management institution of the place where the housing is deposited with the certificate of deposit and loan issued by the housing provident fund management institution.

(two) the loan object and application conditions

1. loan object: the loan applicant must be an on-the-job employee, and both the individual and the unit where he works have paid the housing provident fund in full and on time for more than 6 months (inclusive) before the loan, and have full capacity for civil conduct (excluding employees in railway, electric power and oilfield systems).

2 to apply for housing provident fund personal housing loans should also meet the following conditions:

(1) The loan applicant has continuously paid the housing accumulation fund in full for more than 6 months (inclusive);

(2) At least one of the husband and wife has a permanent residence in the administrative area of Dezhou;

(3) Having a legal contract and relevant certification materials for purchasing self-occupied housing within the administrative area of Dezhou City, and the signing time of the contract is within one year;

(4) Have a stable occupation and income, and have the ability to repay the loan principal and interest;

(5) There are no outstanding housing provident fund loans and other debts that may affect the repayment ability when the loan applicant and spouse apply;

(6) The credit status is good, and the credit status of the loan applicant and spouse conforms to the relevant provisions of the Detailed Rules for the Implementation of Individual Housing Provident Fund Loans in Dezhou.

(7) Adopt the guarantee method approved by Dezhou Housing Provident Fund Management Center (hereinafter referred to as the Center);

(3) loan amount, term, interest rate, guarantee method and loan repayment method.

The borrower's loan amount, term, interest rate, guarantee method and loan repayment method shall be implemented in accordance with the relevant provisions of the Center.

(4) Loan information

The loan applicant shall submit the following materials when applying for housing provident fund personal housing loans in different places:

1, proof of deposit and use of housing provident fund for employees with loans from different places (if both husband and wife deposit in different places, they should be issued at the same time), and proof of unit income (the above can be downloaded from the central website or collected at the window).

2. The original ID card, marriage certificate and household registration book of the loan applicant and spouse (permanent residence registration card stamped by the public security department or household registration certificate issued by collective households); If the marital status of the loan applicant is single, the unit will issue a single certificate and I will issue a written guarantee (if the applicant is widowed or divorced, he should also issue a death certificate, divorce certificate or court judgment or ruling).

3. Purchase information: if purchasing a commercial house, provide the online purchase contract and down payment invoice for the record; If you buy a second-hand house, you should provide a house purchase and sale agreement and a unified invoice for selling the house (if you use a house purchase guarantee, you should also issue a house mortgage evaluation report).

4. The "Property Ownership Certificate" of the city where the borrower and spouse purchase, deposit and register the house.

5. Personal credit report printed by the housing provident fund management institution or the entrusted bank where the borrower and spouse purchase the house.

6. The loan applicant and his spouse are employees who deposit in different places. They need to provide two contacts who normally pay the provident fund in the place where they buy a house, and provide copies of their ID cards and household registration books.

(V) Loan processing flow

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2. Property Ownership Certificate issued by the city where the loan applicant and spouse deposit, purchase and household registration are located.

3. The borrower holds the above certificate and other loan information in (4) to apply for a loan to the loan acceptance window of the housing provident fund management institution where the house is purchased, and the loan acceptance personnel will conduct a preliminary examination to see if it meets the loan conditions.

4. For employees who meet the loan conditions, the loan acceptance personnel shall fill in the Application Form for Opening an Account in a Different Place for Personal Housing Provident Fund Loan and submit it to the business window for opening an account.

5. After opening an account successfully, the loan accepting personnel will print the Notice of Pre-examination of Housing Provident Fund Loan.

6. The loan applicant shall fill in the "Approval Form for Individual Housing Loan", provide the original and photocopy of the information required for the loan, and go through the mortgage formalities.

7. The loan accepting personnel will input the loan information to the approving personnel for approval.

8. The entrusted bank signs a loan contract with the borrower and spouse according to the loan notice and issues loans.

Three. References:

Dezhou Housing Provident Fund Management Center official website/N4690055/C2222984/content.html