Generally speaking, it cannot be changed after submission, but some projects can be changed after approval, such as repayment methods. You can contact the local provident fund management center for details.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have a copy;
3. Have stable economic income, good credit and the ability to repay loans.
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide purchase
6. 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.
7, with not less than the purchase of% (more than 40% of second-hand housing) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, credit materials provided by the development company;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Provident fund loan process:
1. paragraph;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. Manage mortgage registration procedures;
6. Bank loans.
2. Can I change the package with the provident fund after buying a house?
Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Loans
Article 10 An applicant or his spouse applying for a public loan shall meet the following conditions in addition to those stipulated in Article 9 of these Provisions:
(1) The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
(two) the applicant or his spouse is the right holder of the applicant's housing loan;
(3) The applicant and the applicant have no loans overdue record in the original mortgage loan of commercial housing and no credit record as stipulated in Article 12 of these Provisions within 6 months before the month when the application is filed.
Ninth employees to buy affordable housing, talent housing and commercial housing (residential, the same below), apply for ordinary provident fund loans, shall meet the following conditions:
(1) The applicant and the applicant who calculated the loanable amount have continuously paid the provident fund in full and on time in this city or other places in the first six months of the month of application, and they are in a normal payment state at the time of application. The deposit time of provident fund in this city and other places can be calculated together;
(two) the applicant and his family (including husband and wife and minor children, the same below) have not had provident fund loans in this city or have paid off the provident fund loans;
(three) the applicant and the respondent have the ability to repay the principal and interest of the loan, and their credit status is good, and they have no credit record as stipulated in Article 12 of these Provisions;
(4) The applicant has paid the down payment for the house purchase as required;
(five) the applicant agrees to provide a guarantee that meets the requirements of these Provisions;
(six) the loan application meets the requirements of the national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the provident fund loan shall prevail, and it shall be handled in accordance with the principle of "old methods for the old and new methods for the new", but if the national, provincial and municipal real estate market management policies have been clearly stipulated, such provisions shall prevail;
(seven) meet other conditions stipulated by the provident fund management committee.
Third, how to change the housing provident fund information?
Legal analysis: 1. Click "My Social Security" registered on the mobile phone to open the mobile client.
2. Click the "Query" tab at the bottom of the page, and then click the button on the right side of the government official website query.
3. In the page, fill in or select the city where the individual lives.
4. Click the label "Information Modification".
5. In the page that opens, select Individual User and click Modify Basic Information.
6. Modify the personal information in the box, and then click the Submit tab.
Legal basis: People's Republic of China (PRC) Social Security Law.
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.
Four, Shenzhen housing provident fund loan information declaration how to modify?
Loan amount: the loan amount of the provident fund is 12 times of the balance of the provident fund account for calculating the loanable amount of the provident fund, and the following conditions must be met: (1) The total monthly repayment of loan principal and interest (calculated by the equal principal and interest method) shall not exceed 50% of the applicant's housing provident fund deposit base. * * * The participation quota calculation can be accumulated with the applicant's deposit base; (2) The amount of the provident fund loan shall not be higher than the difference between the recognized value of the collateral (the lower of the total purchase price and the assessed value) and the down payment; (3) Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan. If the applicant or the same applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each person's provident fund account may be increased by 10%, but other conditions stipulated in the preceding paragraph shall be met. 2. Down payment ratio: if the first suite is purchased, the down payment ratio shall be no less than 20% if the building area of the purchased house is less than 90 square meters (inclusive). The construction area of the purchased house is more than 90 square meters, and the down payment ratio is not less than 30%; If you buy a second suite, the down payment ratio is not less than 60%. Buying three suites does not accept provident fund loan applications. 3. Loan term: the longest loan term of the provident fund shall not exceed 30 years, and the sum of the loan term and the actual age of the applicant when applying for the loan shall not exceed 70 years. If you apply for a provident fund portfolio loan, please confirm the loanable period with the commercial bank in advance. The term of the provident fund loan and the commercial loan in the portfolio loan must be the same. 4. Loan interest rate: The loan interest rate of the provident fund shall be subject to the loan interest rate stipulated by the Ministry of Housing and Urban-Rural Development and the People's Bank of China. In case of interest rate adjustment during the validity of this contract, the new interest rate will be implemented at the beginning of each quarter and in the first month 1. The interest rate of commercial loans shall be implemented according to the policies of each bank. 5. Repayment methods: equal principal and interest repayment method and average capital repayment method. 6. Identification of housing units: When employees apply for provident fund loans, the number of housing units is calculated based on the number of housing units with the largest number under the names of the applicant and the same applicant; Family members include husband and wife and minor children.
All the above are given by the government. You have to calculate how much you can bear with your lover. I suggest you ask the bank on the provident fund card, and they will tell you exactly.