1. If your purchase time is less than one and a half years and you have paid the provident fund continuously for more than half a year, you can hold:
(1) The housing management department will sign the contract within one and a half years.
(2) Local tax bills with a down payment of not less than 30% for a suite and not less than 50% for a second suite.
(3) ID card.
(4) household registration book; Get the loan approval form from the provident fund service hall.
When the borrower applies for provident fund loans while having commercial loans, the proportion of the borrower's family income and repayment expenditure shall be strictly checked, that is, the monthly repayment amount shall not exceed 50% of the total family income of the borrower and the borrower, and the maximum loan amount is 6,543,800 yuan, and only two people can guarantee it.
Two guarantors pay the housing accumulation fund normally in Texas, and one of them must be an administrative institution. In addition, the sum of provident fund loans and commercial loans applied by borrowers who have applied for one-year commercial loans does not exceed 350,000 yuan.
2. If you have bought a house for more than one and a half years, you need to pay off the commercial loan before applying for a provident fund loan. However, before repayment, you can go to the provident fund service hall to check whether you have the loan conditions with the purchase contract, local tax bills and ID cards. The loan amount is the outstanding principal of commercial loans (reserved to ten thousand).