Haikou provident fund loan conditions and requirements

Haikou Provident Fund Loan Conditions and Requirements

Housing Provident Fund is not an integral part of employee wages, is not paid in cash, and must be deposited into a special account opened by the Housing Provident Fund Management Center at an entrusted bank. Indoor, special account management is implemented. Next, I will sort out the conditions and requirements for Haikou provident fund loans for everyone. I hope it can help you!

Application conditions

(1) Have full capacity for civil conduct and have a legal and valid identity document;

(2) When applying for a personal housing provident fund account, the housing provident fund has been paid in full for more than 6 months continuously, and the payment status is normal;

(3) The national statutory retirement age has not been reached;

( 4) Good credit;

(5) Ability to repay the principal and interest of the loan;

(6) The family has no outstanding provident fund loans;

(7 ) has paid or invested no less than the prescribed proportion of down payment or self-raised funds;

(8) Agree to provide guarantee in accordance with the guarantee method recognized by the housing provident fund management agency and the entrusted bank, and be able to implement the guarantee in a timely manner ;

(9) Meet other conditions stipulated by the housing provident fund management agency.

Application requirements

Provident fund loans are targeted at employees in Hainan Province who have paid housing provident funds normally (including compatriots from Hong Kong, Macao and Taiwan), and those in Hainan Province who work in other provinces and have paid housing provident funds normally. Registered employees.

If one of the following circumstances occurs, the application for a provident fund loan will not be accepted:

(1) The personal housing provident fund account has been suspended for 3 months without making up the payment, or has been suspended for 4 months (Inclusive) and above;

(2) A single loan has overdue records of more than 3 consecutive periods (inclusive) or a cumulative total of 12 periods (inclusive) or more in the past 36 months;

(3) A single credit card (including quasi-credit card) has an overdue record of more than 6 consecutive periods (inclusive) or a total of 24 periods (inclusive) or more in the past 36 months;

(4) Existence Special transaction records such as "repayment by the guarantor" or "debt payment with assets";

(5) There are situations such as "bad debts", "freezing" or "stop payment";

(6) Being included in the list of dishonest persons subject to enforcement;

(7) Being included in the housing provident fund blacklist for dishonest conduct;

(8) The house purchased is for office use, Commercial buildings, production buildings, property-right hotels and other non-residential properties;

(9) The family currently has two housing registration records, or has used two provident fund loans;

< p> (10) There are other circumstances that may affect the safety of provident fund loans. ;