Housing provident fund loans require the applicant and his spouse's housing provident fund deposit certificate; Proof of identity (valid residence certificate such as resident ID card and household registration book) and marital status of the applicant and spouse;
Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; Valid documents such as purchase contract and agreement; Collateral used for guarantee, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and mortgage appraisal certificate issued by relevant departments.
Extended data:
Provisions on relevant requirements for housing provident fund loans:
1. The Urban Housing Provident Fund Management Committee shall, according to the local house price, per capita housing construction area and the development of housing provident fund business, reasonably determine the maximum amount of housing provident fund personal housing loans based on the principle of supporting the loan demand of paid employees to buy ordinary self-occupied housing, and report it to the provincial housing and urban construction, finance, the People's Bank of China and the banking supervision department for the record.
2, the use of housing provident fund personal housing loans to buy the first set of ordinary self-occupied housing, Xing Tao construction area of 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.
3, housing provident fund personal housing loans can only be used to pay employees to buy, build, rebuild, overhaul ordinary self-occupied housing, support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
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