3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.
2.20 16 what are the requirements for housing provident fund loans?
When applying for provident fund loans, the materials to be prepared mainly include:
The first is information that proves the identity of you and your spouse. The second is the information that proves your buying behavior. The third is the information about applying for a loan. The fourth is the information of repayment settlement.
Prompt to apply for personal housing provident fund loans should provide materials:
1. Copies of the ID cards of the applicants, spouses and eligible lineal relatives who participated in the quota calculation;
2, the applicant and his spouse and eligible immediate family members to participate in the calculation of the amount of copy of the household registration book;
3. The original house purchase contract that meets the requirements;
4. Purchase advance payment invoice of 20% or more of the purchase price;
5, loan application form (spouse and immediate family members agree to use their housing provident fund to participate in the calculation of the amount, must sign the loan application form);
6, the borrower and his spouse and eligible immediate family members to participate in the calculation of individual housing provident fund account amount;
7. To apply for provident fund loans through ICBC, ICBC Peony Credit Card, Smart Card or Current Savings passbook are required.
3. What are the conditions for housing provident fund loans?
1. Have XX permanent residence or valid residence certificate; 2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the provident fund deposit system cannot enjoy the provident fund loan business; 3 to participate in the housing provident fund system, you must meet certain conditions to apply for housing provident fund loans. Before applying for housing provident fund loans, you need to pay the housing provident fund in full for at least 6 months, and some cities stipulate that it is 12 months or more; 4. Have a certain capacity for civil conduct, have a stable job and income, have certain repayment conditions, and have good credit; 5. After passing the provident fund loan, one of the husband and wife applies for a housing provident fund loan, and neither of them can enjoy the provident fund loan business until the loan is completely clear;
4.20 16 what are the requirements for housing provident fund loans?
To apply for a personal housing provident fund loan in Jiangsu Branch of Bank of China, the loan applicant must meet the following conditions at the same time: a natural person with full civil capacity of 1 year old and 18 years old or older; 2. Have a permanent residence or valid residence status in China, and pay the housing provident fund at the place where the loan is applied; 3. Have a stable professional and economic income, a good credit record and the ability to repay the principal and interest of the loan; 4. The property right of the purchased house is clear, and the buyer and the seller sign a legal and effective house sales contract or agreement; 5. Have paid or have paid a certain down payment, and can provide corresponding proof. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.