What are the loan conditions for Chongqing commercial loans to provident fund in 2022?

To apply for personal commercial loans to provident fund loans, the following conditions shall be met at the same time:

1. The housing provident fund shall be paid in full and on time within 6 months (inclusive) before applying for the loan, and the provident fund account shall be in normal payment state when applying for the loan.

2. Have full capacity for civil conduct, have a stable income, and have the ability and willingness to repay the loan principal and interest on schedule.

3. Personal credit information is in good condition and meets the requirements of central credit information. If the loan or credit card of either borrower or spouse is overdue for more than three consecutive installments (including three installments) and accumulated for more than six installments (including six installments) in the last two years, the loan shall be repaid in one lump sum, the loan principal or interest is overdue for more than 90 days (including), and the current status of the loan or credit card is overdue, and there are acts of dishonesty in the process of fund withdrawal, loan and post-loan repayment, as well as serious acts of dishonesty confirmed by other means, in principle, it shall not be investigated.

4. There is a real transaction to buy first-hand housing in the cities and towns of this city, and the commercial personal housing mortgage loan with complete procedures is in normal repayment.

5. The purchased house has obtained the property right certificate (property right certificate or house ownership certificate and state-owned land use certificate).

6. There are complete, legal and effective commercial housing sales contracts, commercial loan contracts and mortgage registration procedures in Chongqing.

7. Agree to use the purchased house as mortgage guarantee for the loan.

8. There is no outstanding provident fund loan balance between the husband and wife of the loan applicant.

9, other conditions stipulated by the housing provident fund center.