What are the conditions for housing provident fund second-hand housing loans?

The conditions for buying a second-hand house with provident fund loans are: the borrower has good credit and a stable occupation and income; Have participated in the housing provident fund system, and both husband and wife have no outstanding housing provident fund loans and housing provident fund policy discount loans; Have a purchase contract, a permanent residence in the town or a valid residence status.

legal ground

Article 17 of the general principles of loans

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic account or general deposit account has been opened;

4. The borrower's asset-liability ratio meets the requirements of the lender.

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.