1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal purchase loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife are not allowed to obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.
5. The term of the provident fund loan shall not exceed 30 years at the longest, and the loan term of the provident fund loan of the portfolio loan and the commercial housing loan must be the same.
Second, the housing provident fund loan amount
1, sum of individual monthly contributions of the loan applicant and spouse's provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (longest loanable period).
2. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion.
3. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.
4. When applying for provident fund loans, the monthly repayment amount/monthly income should not exceed 50%.
Extended data:
Housing provident fund loan process
I. Submission of information
When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.
Second, the audit notice
After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.
Three. agree
The guarantee center examines the guarantee application. If the borrower meets the guarantee conditions, the guarantee center issues the approval letter for the guarantee application. If the borrower entrusts an intermediary agency to provide provident fund loans, the intermediary agency is responsible for handling the guarantee application procedures and collecting the guarantee service fee.
Fourth, payment
The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.
Verb (abbreviation for verb) material transfer
The audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.
Intransitive verbs sign contracts.
The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.
Baidu encyclopedia-housing provident fund loan
Baidu encyclopedia-provident fund loan