1. Borrowers (including borrowers, spouses and minor children) who purchase, build, renovate or overhaul their own houses may apply for individual housing accumulation fund (portfolio). At the same time, if a spouse applies for a housing provident fund loan by using the spouse's housing provident fund, the spouse must also meet the prescribed loan conditions.
2. If different family members buy houses together, one of them can apply for housing provident fund loans.
3. The borrower applying for housing provident fund loan shall meet the following conditions:
(1) has a permanent residence in this city or other valid residence status in this city.
(2) Hong Kong and Macao compatriots and foreigners employed in Tianjin;
(3) Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the loan principal and interest, and have good credit;
(four) has not reached the statutory retirement age (it is otherwise stipulated by the state that it can be extended, according to its provisions, but the maximum age should be less than 65 years old);
(5) To purchase a house, there must be a purchase contract or agreement that complies with the law; New and rebuilt houses must have documents approved by the planning and land management departments; Overhaul of self-owned housing, there must be documents approved by the planning and management department;
(6) He has opened a housing provident fund account for more than 1 year, and continuously paid the housing provident fund for more than 1 year before applying for a housing provident fund loan, and his unit has no default;
(7) No housing provident fund loan debt;
(8) The down payment or self-raised funds have been paid as required;
(9) Agree to provide guarantee as required.
4. If the borrower has used the spouse's housing provident fund to apply for a housing provident fund loan, his spouse cannot apply for a housing provident fund loan before the loan is paid off.
5. If the borrower fails to pay the housing provident fund within 3 months (inclusive) due to the change of work unit, or fails to pay the housing provident fund due to the wrong adjustment of the deposit base of the unit housing provident fund, and the monthly deposit has been replenished and resumed when applying for a loan, it can be regarded as continuous deposit.
6. When applying for housing provident fund loans, the borrower or his spouse's provident fund loan history shall meet the following conditions:
(1) The overdue period in the last 24 months cannot exceed 6 consecutive periods;
(2) There is no special transaction of extension (extension) or debt repayment with assets in the last 24 months;
(3) The accumulated overdue period in recent 5 years is no more than 24 periods;
(4) There is no special record of one-time guarantee compensation and being sued in the last five years.
7. The personal credit report of the borrower or his spouse shall meet the following conditions:
(1) Bad debts or write-off records shall not appear in the summary of overdue and default information.
(2) The current overdue amount of all loans in the credit transaction information details should be 0.
(3) In the monthly repayment records in the last 24 months, the outstanding commercial housing loans are overdue for no more than 6 consecutive periods (including repayment by the guarantor). 24 months' record from the date of accepting the application.
(4) The special transaction of all loans in the last 24 months in the loan details information shall not be "extension" or "paying debts with assets". 24 months' record from the date of accepting the application.
Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
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.
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