What are the conditions for housing provident fund loans to buy a house?

Provident fund loans need to be at least 18 years old to buy a house. At the same time, they also need to have a record of participating in local social security. The exact time varies from city to city.

1. What are the requirements for housing provident fund housing loans?

1, age 18, with full capacity for civil conduct.

2 to participate in the housing provident fund system and pay the housing provident fund in full and on time for more than six months (inclusive) of urban workers. The housing provident fund account in the month of application is also in a normal deposit state.

3. Have permanent residence or valid residence status in the local area.

4. You have never had a housing provident fund loan in your name or the loan has been settled (if you have applied for a housing provident fund loan twice, you can't apply for a housing provident fund loan no matter whether the loan is paid off or not).

5. Have a stable and legal income source, have the ability to repay the loan principal and interest on schedule, and provide at least twice the mortgage repayment every month.

6. Self-raised funds not less than 30% of the total price of the house purchased shall be used as the down payment for the house purchase.

7. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information of customers in the past two years)