1. Can commercial housing use provident fund loans?
1, commercial housing can use provident fund loans. Although commercial housing has a commercial nature, it can be regarded as a house because it can be occupied by itself. The relevant policies to enjoy the house include the loan policy, which allows employees who pay the housing provident fund to use the provident fund loan to buy commercial housing.
2. Legal basis:
Article 5 of the Regulations on the Management of Housing Provident Fund
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
2. What if the developer refuses to use the provident fund loan?
Find out why. Generally, you can use the housing provident fund when buying a house. Unless your house has no formal formalities, you need to check the reasons first and consult the local housing management department.
Discuss with the developer. If you really want to use provident fund loans, you can consult the corresponding developers to see if there is room for choice. Negotiation is the best way.
Report the developer. If the developer refuses to use the provident fund, he can report it to the local real estate authorities. Once verified, the relevant departments will deal with it.
Handle commercial loans. If there is really no way, you can consider commercial loans, the interest rate will be relatively high, but the efficiency may be higher.
Self-owned funds to make up the house payment. If you have enough money in your hand, you can buy the house in full. After all, provident fund loans also have interest to pay.
Borrow money to pay for the house. If you can't get a loan and you don't have enough money, you can only ask relatives and friends for help, borrow enough money and pay it back later.
Give up the developer's house. If the above methods cannot be implemented, then we have to buy a house instead of buying it, and find a real estate agent who can use the provident fund to buy a house.
Commercial housing can use provident fund loans. Although commercial housing has a commercial nature, it can be regarded as a house because it can be occupied by itself. The relevant policies to enjoy the house include the loan policy, which allows employees who pay the housing provident fund to use the provident fund loan to buy commercial housing.