1. Confirmation of purchasing the first self-occupied house
The borrower's employee family (including the borrower, spouse and minor children) has no housing information in the housing information system of Wuhan real estate administrative department (subject to the notice of the borrower's family housing information inquiry result issued by the municipal real estate information center) (or the inquired housing information is the same as the housing to be purchased with provident fund loans); And the Wuhan housing provident fund system recorded the first provident fund loan.
2. Appraisal of buying a second house
In any of the following circumstances, it shall be determined according to the purchase of the second set of housing:
(1) The borrower and his spouse used the provident fund loan to buy a house for the first time, and the family registered only one house in the housing information system of the real estate administrative department of this Municipality, with a construction area below 144 square meters, which is different from the house to be purchased with the provident fund loan.
(2) The borrower and spouse have used the provident fund loan (and the loan amount is less than 600,000 yuan) to buy a house, that is, the provident fund system has a loan record and the loan has been settled, and there is only one house with a construction area of 1.44 square meters registered in the housing information system of the real estate administrative department of this Municipality, and they apply for a loan to buy a house again.
3. Identification of the third and above houses
If the family members of employees have two or more houses registered in the housing information system of the real estate department, or the loan record of the provident fund system has reached 2 times or more, the application for housing provident fund loans will not be accepted.
4 identification of special circumstances such as changes in marital status.
(1) When the borrower or spouse is single, one of them has purchased a house with the provident fund loan, and now he applies for the provident fund loan again in the name of both husband and wife, which is regarded as the second house.
(2) During the marriage, both husband and wife used provident fund loans to buy houses and settled the loans. After divorce, if one of them applies for provident fund loan again, it will be recognized as the second house; Couples used provident fund loans to buy houses during their marriage, and the loans have not been settled yet. After the divorce, the provident fund loan belongs to the borrower, and the other party applies for the provident fund loan again, which is regarded as the second house.
(3) The borrower or spouse has used provident fund loans separately when they are single, and now they apply for provident fund loans again in the name of both husband and wife, and the loan application will not be accepted.