The conditions and requirements of provident fund loans in Baoji City are relatively strict, and the specific requirements are as follows: 1. The qualification requirement of the applicant is 1. The applicant must continuously deposit the provident fund for the employees of this city for not less than 12 months; 2. Both husband and wife can only choose one person to apply for housing provident fund loans; 3. The applicant is between 20 and 55 years old; 4. The applicant must have a stable job and income source, and the average monthly income in the past six months is not less than 4,000 yuan before tax. Second, the housing conditions 1. The purchased house is more than 5 years (inclusive); 2. Located in the administrative division of this Municipality, there is no risk right beyond the scope of the provident fund loan guarantee; 3. The construction area of a single house should be less than 90 square meters. Iii. Loan amount and term 1. 90% of the highest loanable house price; 2. The loan term is generally not more than 20 years. Four. Repayment methods Baoji provides various repayment methods, including equal principal and interest repayment, equal principal repayment and combined repayment.
Can I buy a second-hand house with a provident fund loan? Under normal circumstances, provident fund loans cannot be used to buy second-hand houses. However, according to the actual needs and policy changes, local provident fund centers sometimes launch "special loans for second-hand houses", allowing employees to apply for provident fund loans to buy second-hand houses under certain conditions. Therefore, it is recommended to go to the local provident fund center to consult specific policies.
Baoji City's provident fund loan conditions and requirements are relatively strict, and at the same time, it provides a variety of repayment methods to facilitate the repayment of employees. Pay attention to the need to meet various qualification requirements and housing conditions when applying. If in doubt, please consult the local provident fund center.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.