The housing accumulation fund is a very familiar item for all of us. No matter the employees of public institutions or some state-owned and private enterprises, we are paid five insurances and one gold in normal places, so this gold refers to the housing accumulation fund. Having the housing accumulation fund has brought us great convenience and preferential treatment for buying a house. Take Chongqing today to tell you about what conditions are needed for housing provident fund loans? In fact, all places are similar, you can refer to it!

Chongqing housing provident fund loan:

The basic conditions for applying for housing provident fund loan mainly include three aspects: loan object, loan purpose and basic conditions for housing loan. Let's analyze it in detail:

1. Chongqing housing provident fund loan object should meet four conditions: 1. Chongqing housing provident fund loan object should meet four conditions:

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(2) Those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

(3) If one spouse has applied for a housing provident fund loan, neither spouse can get another housing provident fund loan until the principal and interest of the loan have been paid off. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families.

(4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

2. The use of Chongqing housing provident fund loans must be earmarked: 2. The use of Chongqing housing provident fund loans must be earmarked:

The use of housing provident fund loans is limited to the purchase of owner-occupied houses with ownership, and the houses purchased should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.

3. Conditions for Chongqing housing provident fund loans: 3. Conditions for Chongqing housing provident fund loans:

Applicants for housing provident fund loans should have self-raised funds equivalent to 21% or more of the purchase price of housing; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.

SSE is the condition of our housing provident fund loan in Chongqing introduced by Xiaobian. After we meet the above conditions, we can proceed to the next operation and make a loan, so it is very convenient for the loan process. We can operate through the network, and of course we can go to the relevant departments ourselves to handle it. I hope everyone can handle the housing provident fund smoothly. I hope the above introduction can bring you some help and reference!