Employees applying for housing provident fund loans must meet the following conditions.
1. Has a permanent residence in Zhuzhou or a valid identity document.
Two, occupation and income stability, the ability to repay the loan principal and interest (the monthly repayment amount can not exceed 50% of the disposable income of the family).
Three, the unit paid the housing provident fund in full and on time for more than one year (including one year) and is still in normal deposit. For more than 3 months (including 3 months), the deposit ratio is less than 5%, and the deposit wage base is lower than the minimum wage standard in Zhuzhou area last year (subject to the minimum wage standard published by the relevant departments and the data of the business management system of the provident fund center), which belongs to abnormal deposit.
Four, the loan applicant and spouse have no bad credit records, personal credit report shows that a loan or credit card record has three consecutive or accumulated five overdue records, as a bad credit record.
Five, at least not less than 30% of the total price of the purchase, construction, renovation and overhaul of self-occupied housing.
6. Agree to provide loan guarantee approved by the provident fund center.
Seven, the applicant and spouse in the previous year did not pay off the principal and interest of housing provident fund loans can not apply for housing provident fund loans again.
Eight, the purchase of commercial housing to apply for loans, the purchase of housing projects, the image progress of major construction projects reached the forefront.