Housing provident fund can only be borrowed for more than one year to buy a house.

One of the conditions of buying a house with provident fund loan is that the lender needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to continuous monthly deposit, early deposit and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

If the unit pays the housing provident fund, it needs to pay in full for 6 months before it can use the housing provident fund loan to buy a house; If an individual pays the housing provident fund, Yu Yuchun needs 1 year to pay it in full before he can use the housing provident fund loan to buy a house. Normal deposit refers to continuous monthly deposit, advance payment and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

Legal analysis: the function of litigation object is that it can be used as a reason. If multiple infringers cause damage to others, the victim will sue and take all infringers as defendants, demanding joint and several liability for compensation. It is precisely because * * * needs to be identical with the litigation object of the litigant that * * * is required to join the litigation or respond to the lawsuit together with the litigant.

Legal basis: Article 198 of the Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC). The object of litigation is special items such as houses, land, trees, vehicles, ships, cultural relics or intellectual property rights; If the value of sedan chair is difficult to determine, the people should explain to the plaintiff that the litigation risk is too high or too low, and know that the litigation amount should be determined by the value advocated by the plaintiff.

How long can the provident fund loan be used?

Conditions for the use of the provident fund: 1. The borrower applying for a loan must establish a housing provident fund account for more than one year, and at the same time, he must pay the housing provident fund in full for more than one year. The normal deposit here refers to: continuous monthly deposit, early deposit and supplementary payment of housing provident fund. Secondly, after the above conditions are met, the borrower's provident fund account must be in the state of deposit when applying for a loan. In addition, for the units that are approved by the center and are in a deferred payment state, their employees can apply for loans if they have established housing provident fund accounts for one year or more and paid housing provident fund in full for one year or more. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

How long can the provident fund borrow money to buy a house?

After the provident fund is generally paid in full for 6 months, you can use the provident fund loan to buy a house; You can consult the local provident fund management center for details.

First, the continuous purchase of housing provident fund for half a year, and meet the following basic conditions, you can apply for housing provident fund loans:

1. Have permanent resident status or other valid resident status in this Municipality and have full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and agreed on the proportion of the first payment of the purchase price;

3. Have a stable occupation and income, and have the ability to repay the principal and interest on time.

The provisions of provident fund loans are not uniform throughout the country, and the policy standards in different regions are different. For example, in some places, the loan requirement is that the provident fund must be deposited for more than 1 year before applying for a loan; Some places only need to deposit for 6 months to apply for loans; There are even some places that can only apply for a three-month deposit for special reasons.

Therefore, if you want to buy a house with a provident fund loan, you'd better first understand the provident fund loan policy of the place where you plan to buy a house.

Second, the restrictions on buying a house with provident fund loans

1, remote restriction

Although many areas have now liberalized the restrictions on using the provident fund to buy a house in different places, this will still happen in some cities, so buyers should take this into account. Usually, buyers only need to meet the requirements of relatively stable professional and economic income, corresponding repayment ability and good personal credit; There are assets recognized by the provident fund as collateral or pledge, or units with sufficient compensatory capacity as guarantors; Other conditions stipulated by the provident fund.

2, the use of quantity restrictions

The provident fund is not intentionally used for loans to buy a house indefinitely, and the number of times the provident fund can be used will be limited. Under normal circumstances, the provident fund management center stipulates that 1 time of provident fund can be withdrawn every year during the repayment period of commercial loans. If you buy a house with a commercial loan, you can repay the housing provident fund loan in advance, and you can withdraw 1 time every year, and each time you can withdraw the repayment amount of the previous year. Buying a house with a loan can generally only be used twice.

How long does it take to pay the housing provident fund and use it to buy a house?

Take Chongqing as an example, you can apply for a housing provident fund loan by paying the provident fund in full and on time six months or more before applying for a loan.

Spouses of employees who apply for provident fund loans have paid the provident fund in full and on time for 6 months or more before applying for loans, and they have full capacity for civil conduct and can participate in loans. After the spouse participates in the loan, it is regarded as a provident fund loan.

Employees who own two or more houses under the family name, or the balance of provident fund loans between husband and wife is not settled, may not apply for provident fund loans when buying a house again.

Extended data:

Other provisions of Chongqing housing provident fund loans.

1. The maximum loanable ratio of provident fund loans is 80% of the value of the house purchased. The maximum personal loanable amount of provident fund loan is 400,000 yuan, and the maximum loanable amount paid to employees' families after participating in the loan shall not exceed 1.5 times of the maximum personal loanable amount.

2. The actual loanable amount shall not exceed 25 times of the sum of the balance of the borrower's and spouse's provident fund accounts, and the monthly debt of the borrower's family shall not exceed 50% of his monthly income.

3. The longest term of provident fund loans is 30 years, and the final repayment period shall not exceed 10 years after the statutory retirement age.