1. Can I decorate with provident fund loans?
Yes: the borrower applying for decoration loan should meet the following conditions: from the date when the unit establishes the housing provident fund system for him to the date of applying for the loan, he has paid the housing provident fund 12 months continuously and in full according to the regulations; Commercial housing sales contract, down payment receipt or house ownership certificate and deed tax registered by the real estate management department; Renovation contract signed with interior decoration enterprises; Have the ability to repay the loan principal and interest. If the housing provident fund loan for house purchase or decoration loan is used at the same time, the borrower's family income shall be deducted from the monthly repayment amount of decoration loan and house purchase loan to determine his ability to repay the principal and interest of the loan.
The repayment amount shall not exceed 50% of the family income. When a borrower applies for a decoration loan, he can use the purchased owner-occupied house as a mortgage guarantee or provide a guarantee. The borrowing procedure is as follows: the borrower applies for a housing provident fund renovation loan. Borrowers can apply for housing provident fund renovation loans while applying for housing provident fund loans; The borrower can apply for housing provident fund renovation loan if he is ready to carry out or is carrying out unfinished interior decoration within one year after obtaining the housing right. Fill in the Application Form for Housing Provident Fund Decoration Loan, sign the Housing Provident Fund Decoration Loan Contract after passing the examination, handle the guarantee procedures for the mortgage property insurance or loan behavior of the purchased decoration housing, and handle the notarization of the loan contract. To decorate the house mortgage loan, you need to complete the house registration or mortgage registration before lending. Housing provident fund renovation loan amount is calculated according to the purchased housing construction area, not exceeding 800 yuan per square meter. The longest loan term shall not exceed 10 year.
Two, provident fund renovation loan application conditions:
(1) Before applying for the loan, the housing accumulation fund of this city has been paid normally and continuously for six months;
(2) Have full capacity for civil liability, and have permanent residence or blue-printed residence in this city (non-agricultural);
(3) Having a stable economic income and the ability to repay the loan principal and interest;
(4) The borrower must be the owner of the large (installed) house and sign a project implementation contract with a regular decoration company;
(5) The spouse and lineal blood relatives of the loan applicant are used as the housing provident fund, and the borrower can participate in the calculation of the loan amount of the provident fund.
(6) Collateral is the owner-occupied house that the borrower has made major personal (installation) repairs and has complete personal property rights.
Through our above example, we can know that in the process of applying for housing provident fund loan decoration, the amount of the loan depends on many factors, and whether we can successfully apply for housing provident fund decoration loan depends on whether we can meet the conditions given by relevant departments and provide reasonable and reliable information and proof. Therefore, we should make an understanding and comparison in advance with the guidance of local professionals, and I believe that we can achieve satisfactory results and goals by combining the above.
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