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Conditions for applying for provident fund loans
1) A natural person with full capacity for civil conduct;
Interpretation of Xiao Pang: This article is a necessary condition for applying for basic loan services.
2) Have a permanent residence in the town or a blue-printed residence in this city;
Interpretation of Xiao Pang: Resident accounts are generally necessary. Can the blue-printed account see which city it is?
3) deposit the housing accumulation fund in this city normally and continuously for 6 months before applying for a loan;
Interpretation of Xiaopang: that is, paying the provident fund for more than half a year.
4) At least 30% down payment;
Interpretation of Xiao Pang: At present, there is no housing loan service with zero down payment in China, and the quota of 30% is relatively fixed.
5) Have a stable economic income and the ability to repay loans;
Xiao pang explained: one of the requirements for all loan service applications.
6) There is no outstanding debt with a large amount that may affect the loan repayment ability.
Xiao Pang Interpretation: In fact, this article can basically be summarized as the previous one. If there is a serious debt problem, it will inevitably lead to inability to repay the loan.
Information required for applying for provident fund loan
1) The application for the first-hand housing provident fund loan requires information:
(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.
Xiao Pang's interpretation: Pay special attention to the third payment voucher that is not less than 20% of the house price, and the fifth deduction passbook must support the universal deposit and withdrawal function.
Term of provident fund loan
First-hand housing (including second-hand housing) loans for up to 30 years; The second-hand housing loan is the longest 15 years.
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Reference and application address:/%d0% a1%C5% D6% B4% FB% BF% ee% BF% ce% cc% C3/blog/item/50b 8e65c09f2367b853524b3.html.
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