Personal housing provident fund loan refers to a special housing consumption loan that takes housing provident fund as the source of funds and is distributed to employees who participate in the housing provident fund system and is directed to purchase, build, renovate and overhaul their own houses. The self-owned housing purchased by employees includes commodity housing, affordable housing, private property housing, fund-raising housing, rebuilt housing and public housing.

First, the loan object

Workers who have paid housing provident fund can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses.

Second, the basic conditions of the loan

1.

Have permanent residence in cities and towns or valid residence status;

2.

Have a stable occupation and income;

3.

Good credit and the ability to repay the loan principal and interest on schedule.

Third, the loan amount.

The maximum loan amount stipulated by the housing provident fund management center in each city is different. Please consult the local housing provident fund management center when lending.

Four. length of maturity

The loan term set by each city housing provident fund management center is different, generally the longest is 10 year and the longest is 20 years. Please consult the local housing provident fund management center when lending.

The information that verbs (short for verb) need to provide.

1.

Legally binding identity documents;

2.

Housing provident fund savings card and borrower's name stamp;

3.

Legally valid contracts or agreements for the purchase, construction, renovation or overhaul of self-owned houses and related materials;

4.

Proof of down payment for housing purchase or proof of self-financing for housing construction, renovation and overhaul;

5.

The use of both husband and wife loan line, need to have a spouse housing provident fund savings card, ID card and a copy, marriage certificate or other proof of husband and wife relationship;

6.

Other information required by the municipal housing provident fund management center and the loan bank.

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