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Conditions for applying for provident fund loans
1) A natural person with full capacity for civil conduct;
2) Have a permanent residence in the town or a blue-printed residence in this city;
3) deposit the housing accumulation fund in this city normally and continuously for 6 months before applying for a loan;
4) At least 30% down payment;
5) Have a stable economic income and the ability to repay loans;
6) There is no outstanding debt with a large amount that may affect the loan repayment ability.
Information required for applying for provident fund loan
(1) Original and photocopy of ID card and household registration book of loan applicant, spouse, * * borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals;
(2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate;
(3) A down payment receipt voucher of not less than 20% of the house price;
(4) The portfolio loan shall provide the borrower and the borrower's income certificate;
⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function;
⑥ Copy of the auction house pre-sale permit or existing home production certificate;
⑦ Original pre-sale contract or existing home sales contract;
(8) The business license, qualification certificate, copy of the ID card of the legal representative of the real estate developer and the collection account number of the real estate developer or agent.
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Reference and application materials: /share/detail/40969226
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