To apply for a provident fund loan in Guangzhou, the applicant must have paid more than the housing provident fund continuously when applying for the loan, and must have the ability to repay the loan, have a good personal credit record, and meet other conditions specified by the Guangzhou Provident Fund Management Center before applying for the loan.
Applicants for Guangzhou provident fund loans should also meet the following conditions:
Having the household registration of the People's Republic of China and valid resident identity card;
When applying for loans, employees with local residence registration continuously pay more than (including) the housing provident fund in full, and employees with non local residence registration continuously pay more than (including) the housing provident fund in full. Employees with Guangzhou Talent Green Card who are not local residence registration and apply for provident fund loans shall enjoy the treatment of employees with local residence registration;
Having the house purchase contract or agreement confirmed by the real estate registration department in the place where the house is located, and being able to handle the mortgage or guarantee procedures;
The down payment for house purchase has been paid as required (the down payment for stock house needs capital supervision;
Have full civil capacity, good credit, stable career and income, and the ability to repay the loan principal and interest;
The deposited housing provident fund shall be used to repay the personal housing provident fund loan in priority.