Two, provident fund loans refers to the housing provident fund workers enjoy loans. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Three, provident fund loan conditions:
The borrower has full capacity for civil conduct;
Have a formal urban hukou or valid residence status in this city;
Have a stable economic income, good credit and the ability to repay the principal and interest of loans;
Before the loan, the housing provident fund was paid normally and continuously for more than half a year;
Can provide a valid contract or agreement for the purchase of owner-occupied housing;
In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
It has its own funds not less than 30% of the purchase value of owner-occupied housing (more than 40% of second-hand housing);
The borrower agrees to handle housing mortgage loan and insurance;
For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit materials;
The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly collects the loan principal and interest from the account every month.