Basic conditions for applying for Urumqi provident fund loan:
(a) the borrower has participated in the housing provident fund system for more than six months (including six months) and paid the housing provident fund in full within the last six months.
(2) The loan applicant has a stable economic income and good credit, and the personal credit report of himself and his spouse has no overdue records for three or six consecutive periods (including all loans and credit cards overdue) within five years, and has the ability to repay the loan principal and interest.
(three) the loan applicant has a legitimate purchase contract and agreement, and the certificate approved by the relevant departments.
Provisions on down payment ratio of Urumqi provident fund loan application:
(a) the first and second use of housing provident fund loans to buy a first-hand house, the down payment ratio shall not be less than 20% of the total purchase price; The down payment ratio of loans for the purchase of second-hand houses, forward houses and housing reform houses shall not be less than 30% of the total purchase price;
(2) The sum of the down payment and the loan amount shall not exceed the total amount of the house purchased.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 45 Measures for financial management and accounting of housing provident fund shall be formulated by the finance department of the State Council in consultation with the construction administrative department of the State Council.