To apply for a loan, the borrower shall meet the following conditions:
1, with XX permanent residence or valid residence certificate;
2, continuous full deposit of housing provident fund for more than 6 months, or after the withdrawal of provident fund for more than 6 months;
3. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the city limits, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion;
4 have a stable income, good credit and the ability to repay the principal and interest of the loan;
5. Agree to guarantee according to the guarantee method recognized by the Provident Fund Center;
6. Agree to fulfill the repayment obligations on time in accordance with these Measures and the relevant provisions of the housing provident fund loan contract;
7, laws, regulations, rules and other conditions stipulated by the provident fund center.
When applying for a loan, the borrower shall provide the following information according to different situations:
1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;
2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;
3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;
4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;
5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;
6. Collateral appraisal report issued by real estate appraisal agency;
7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;
8. Guarantee certificate issued by the real estate home purchase guarantee company;
9. Other materials required by the Provident Fund Center.
operation sequence/order
1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;
2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;
3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches;
4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;
5. The entrusted bank issues loans to borrowers.
note:
1. The maximum loan amount of housing provident fund shall not exceed 70% of the total house price;
2. To apply for provident fund loans, the monthly repayment amount/monthly income shall not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).