Unmarried people can apply for public loans. Provident fund loan is a statutory welfare system set up by the state for enterprise employees, which ensures that buyers can apply for housing provident fund loans with lower loan interest. Now the housing provident fund loan is to meet certain conditions for you. The mortgage loan for house purchase is for all buyers, and most of this loan is issued by real estate developers. Generally speaking, housing can apply for provident fund loans or

1. Only employees who have participated in and paid the housing provident fund are eligible to apply for housing provident fund loans, and all of them can apply for housing provident fund loans;

2. My unit and I have been in this city for more than 20 years;

3, a stable source of income, good personal credit, repayment of loans.

4. There are legitimate funds to purchase owner-occupied housing;

5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

6. Agree to handle the purchase guarantee or mortgage property insurance;

7, agreed to other conditions stipulated by the housing provident fund management center.

2. Can I get a provident fund loan if I am not married?

Unmarried people can apply for provident fund loans and mortgage loans. Provident fund loan is a statutory welfare system established by the state for enterprise employees, which requires individuals and enterprises to pay provident fund. This system ensures that buyers can apply for housing provident fund loans with lower loan interest. Now housing provident fund loans are allowed to be unmarried, but you also need to meet certain conditions. The mortgage loan for house purchase is aimed at all buyers. Most of this loan was handled by real estate developers. You just need to submit the information. Generally speaking, housing loans can apply for provident fund loans or mortgage loans as long as they meet the following conditions.

1. Only employees who have participated in and paid the housing provident fund are eligible to apply for housing provident fund loans, and all of them can apply for housing provident fund loans;

2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year;

3, a stable source of income, good personal credit, have the economic ability to repay the loan principal and interest;

4. There is a legal contract to buy self-occupied housing, and they can afford the down payment;

5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

6. Agree to handle the purchase guarantee or mortgage property insurance;

7, agreed to other conditions stipulated by the housing provident fund management center.

3. Can I use the housing provident fund loan if I am unmarried?

Legal analysis: No, provident fund loans are family-based loans. Generally speaking, only your spouse, parents and children can participate in the loan together. But the relationship between men and women can't handle the loan formalities at the same time. If a person's quota is not enough, you can consider applying for a portfolio loan, but the application time may be longer. Because I don't understand provident fund loans to buy a house, I think unmarried couples can apply for provident fund loans to buy a house together. This is a misunderstanding before many young people use provident fund loans. Withdraw provident fund: 1, and purchase, build, renovate and overhaul owner-occupied housing; 2. Repay the principal and interest of the owner-occupied housing loan; 3. The rent expenditure exceeds 5% of the family wage income; 4, life is difficult, is receiving the city minimum living allowance; 5. Encountering unexpected events, causing serious difficulties in family life; 6. Other circumstances stipulated by the Housing Provident Fund Management Committee. Extended data:

Housing accumulation fund 1, yishoufang 1:( 1) original and photocopy of housing contract or agreement; (2) The original and photocopy of the purchase invoice; (3) The original and photocopy of the employee's ID card shall be used to extract the provident fund; (4) Withdraw the provident fund from the employee's own bank savings account; In addition to the above information, the employee spouse's provident fund withdrawal should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record. 2. Second-hand housing extraction: (1) original and photocopy of the real estate license; (2) Original and photocopy of deed tax payment certificate; (3) The original and photocopy of the employee's ID card shall be used to extract the provident fund; (4) Withdraw the provident fund from the employee's own bank savings account; When employees' spouses withdraw provident fund, in addition to the above information, they should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record. 3. The employee withdraws the provident fund for the first time to purchase public housing: (1) the original and photocopy of the purchase agreement or purchase certificate issued by the housing management department of the unit; (2) The original and photocopy of the purchase receipt; One-time repayment of provident fund loans to withdraw housing provident fund: (1) Application form for withdrawal of housing provident fund issued by the unit finance or labor; (2) Original and photocopy of ID card 1 copy; If the spouse's provident fund is withdrawn, the original and photocopy of the marriage certificate and household registration book shall be provided at the same time 1 copy; (3) The loan contract shall be printed in the loan department of the loan bank (from the month of withdrawal to the month of the previous year) and sealed by the bank; (4) If repayment is made by bank card, a detailed copy of the bank card printed by the bank counter in the last year shall be provided. (5) Go to the loan department of the loan bank and sign the Agreement on Withdrawing Housing Provident Fund and Repaying Housing Provident Fund Loan (if both husband and wife withdraw it, both husband and wife will sign it with their fingerprints, fill it in the bank account and transfer it directly to the personal account). Note: Employees must sign the Withdrawal Application Form at the scene and press their fingerprints (the provident fund will be remitted to the personal repayment account).

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

4. Can I get a provident fund loan without a spouse?

You can apply for a loan. As long as one of your husband and wife pays the housing provident fund normally, you can apply for a housing provident fund loan.

The housing provident fund management center stipulates that you can apply for continuous payment for 2 years and more than 6 months before application.