Conditions for applying for housing provident fund loans

1. Employees who participate in the housing provident fund system

2. The time for continuous housing provident fund deposit before applying for loans is not less than six months

3. One spouse has applied for housing provident fund loans, and neither spouse can obtain housing provident fund loans until the principal and interest of the loans have been paid off

4. When the loan applicant applies for housing provident fund loans, Apart from having a relatively stable income and the ability to repay loans, there are no other debts that have not been paid off and may affect the repayment ability of housing provident fund loans

The types of housing provident fund loans are: new house loans, second-hand housing loans, self-built housing loans, housing renovation loans, commercial housing loans to provident fund loans, etc.

(Note: not all provident fund centers provide loans of the above categories, please consult the local housing provident fund management agency first) Extended information

Process

(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.

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