Haikou provident fund loan policy

Haikou provident fund loan policy is as follows:

1, with legal and valid identity documents;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. To purchase owner-occupied housing (commercial housing, unit housing and second-hand housing), a legal purchase contract or agreement must be issued; The approval documents of the land, planning and construction management departments at or above the county level must be issued for the construction and renovation of self-occupied housing; If the owner-occupied housing is overhauled, provide the appraisal certificate issued by the department with the qualification of housing quality appraisal;

4, the purchase of commercial housing and housing units to raise funds, should pay a down payment of not less than 20% of the total price of the purchased housing; For the purchase of second-hand houses, the down payment shall not be less than 40% of the total price of the houses purchased; Construction, renovation and overhaul of owner-occupied housing, self-raised funds shall not be less than 50% of the cost of construction and overhaul of housing;

5. Agree to guarantee according to the guarantee method approved by the Center;

6. Before the borrower pays off the housing provident fund loan, the borrower and his spouse may not apply for the housing provident fund loan again.

Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.