1. Conditions for handling housing accumulation fund;
Individuals and their units must continue to pay housing provident fund for one year;
The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
2. Housing provident fund management process:
The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the audit, the loan bank contacts the lender and signs the relevant contract;
For bank loans, the lender shall fulfill the repayment obligation.