Provident fund borrowers must meet the following conditions:
1) A natural person with full capacity for civil conduct;
2) There is a certificate of permanent residence in cities and towns or a local household registration;
3) normally and continuously deposit the housing accumulation fund in this city at least half a year before applying for a loan;
4) At least 30% down payment is required.
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. ?
Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:
1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.
2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for a loan, and be in the state of deposit when applying for a loan.
3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.
As long as you pay off the provident fund loan used for the first purchase, you can use the housing provident fund loan for the second time, regardless of whether your house is transferred or sold. However, the loan amount for the second time is less than that for the first time, and the down payment for the second house purchase loan must be no less than 40% of the total house price (the down payment for the first time can be at least 20%). The interest rate of provident fund loans is the same whether it is the first time or the second time. At present, it is 3.87% annual interest rate. Cancel the third loan.