What are the conditions for using provident fund loans?

1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.

2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.

3. Employees with permanent residence in cities and towns or valid residence identification.

4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;

5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

Under no circumstances can you apply for a provident fund loan.

1. There are outstanding provident fund loans;

2. Use provident fund loans for the third time (inclusive) or more;

3. The purchased house is the third commercial house under the name of the family (including minor children);

4, the purchase of spouse, children, my parents or spouse's parents housing;

5, within two years of divorce, the sale of housing between employees and their original spouses;

6. The co-owner of the purchased house is a person other than the spouse and minor children.

Use of provident fund loan:

1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.

2. Commercial loans are used to repay loans, that is, they are jointly issued with borrowers in the normal course of transactions.

6, can provide housing provident fund management center approved by the way of guarantee.