1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;
2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;
3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, and the first home loan below 90 square meters only needs 20%;
4. The borrower has a legitimate job and a stable income, a fixed salary every month, and a clear intention to repay the loan;
5. Sign a house purchase contract or contract with the house sales office;
6. Meet other conditions stipulated by the trustor and the trustee.
What is the process for individuals to apply for housing provident fund?
1. Bring the original and photocopy of relevant materials to the Provident Fund Administration for consultation and application, and fill in the application form;
2. After the application is approved by the Provident Fund Administration, relevant notice will be sent to the applicant;
3. After receiving the notice, the applicant needs to sign a contract with the original relevant materials in the bank, and then go to the notary office for notarization;
4. The applicant shall go through the relevant registration formalities with the Real Estate Administration Bureau with this contract;
5. The applicant takes the contract and notarial certificate to the provident fund hall to receive the notice of transfer, and goes through the final transfer formalities at the bank.
Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.