After receiving the short message of provident fund loan

This just gives you the right to know. Generally, loans will be made only after obtaining the real estate license. You haven't got the real estate license yet. I should inform you that the loan has been put in the last bank. You get the real estate license here, and he will directly lend money there. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

1 and 20 12 Some cities have relaxed the conditions of provident fund loans, and the upper limit of housing provident fund loans in Linyi City, Shandong Province will be raised from 200,000 yuan to 300,000 yuan from June 1.

20 14,10 June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 consecutive months can apply for provident fund loans (currently 12 months).

2. In August 17, 15, 2065438, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 15, the down payment for purchasing a second house with provident fund loans will be cancelled by 20%. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan that is paid by local housing provident fund management centers using the housing provident fund paid by employees who apply for provident fund loans, and entrusted by commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay the housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha exceeding 12 months) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

3. The loan conditions are: the employees of the unit have signed a labor contract for more than 3 years (or signed a 1 year labor contract for 3 consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, house property certificate, land use certificate, deposit certificate of provident fund, etc.