1. How many times can a husband and wife housing provident fund loan be borrowed?
Husband and wife housing provident fund loans can be loaned up to 2 times, and housing provident fund loans can only be loaned once at the same time. If one of the husband and wife has applied for a housing provident fund loan, neither husband nor wife may obtain a housing provident fund loan until the principal and interest of the loan are paid off.
2. What are the conditions for housing provident fund loans?
The requirements for housing provident fund loans are:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and the loan will be delayed. 3. One of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can obtain a housing provident fund loan until the principal and interest of the loan are paid off. Remind you that the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.
3. Can the housing provident fund not be paid?
Housing provident fund can not be paid, because the provident fund is mandatory, and every employee has the obligation to pay the corresponding proportion of the provident fund for employees after they join the job. After paying the provident fund for a period of time, employees can enjoy preferential policies of low down payment and low interest rate when buying a house. Even if you don't buy a house, you can withdraw it if you leave your job or terminate the contract.