Housing provident fund cannot be used for loan decoration of houses, because the decoration of houses is not within the scope of use of housing provident fund. It should be noted that although the housing accumulation fund can be used to purchase, build, renovate and overhaul occupied houses, the meanings of overhaul and decoration are different.

Overhaul refers to a kind of house reinforcement and repair behavior that needs to affect or dismantle some main components of the house, but does not need to dismantle all the houses; Decoration refers to the surface decoration behavior and internal decoration behavior of the original housing structure.

In real life, employees applying for provident fund loans are mostly used to buy houses. If there is not enough money to decorate the house, it is recommended to apply for a decoration loan directly from the bank, or apply for a consumer loan from other licensed financial institutions, or the bank provides a large-scale special installment service for credit cards, or apply for a credit card home improvement installment.

In addition to purchasing, building, rebuilding and overhauling self-occupied houses, housing provident fund can also be used to repay the principal and interest of housing loans, and households without houses can also be used to pay rent beyond the prescribed proportion of family income.

Extended data:

Personal application for provident fund loan process:

Individuals who need to buy a house, build a decorated house, rent a house or decorate a house can apply for a provident fund loan. The specific process is as follows:

1. The borrower brings all the loan materials, submits a written application to the outlet of the local housing provident fund management center, and fills in the Housing Provident Fund Loan Application Form;

2, housing provident fund is responsible for the loan qualification, guarantor qualification, loan amount, loan period review;

3. After passing the examination, the borrower signs relevant loan contracts and agreements and handles insurance;

4. The Housing Provident Fund Center issues a loan approval notice to the bank, and entrusts the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;

5. After the mortgage pledge certificate comes out, the bank sorts out the borrower's materials and sends them to the provident fund management institution for re-examination;

6. Pass the bank loan review.

Note that you cannot apply for provident fund loans in the following four situations:

1, the building structure is brick-wood structure and mixed structure;

2. Use for non-residential houses and low-density commodity houses;

3. Have used housing provident fund loans twice;

4 do not meet the conditions of other provident fund loans.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.

Can the provident fund be decorated by loan?

House decoration can use provident fund loan, which is another form besides provident fund loan in mortgage to buy a house.

The renovation of the provident fund must meet the following conditions: Generally speaking, the house to be renovated has an area of over 70 square meters and the age of the house is within 15 years.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

Can the provident fund apply for a decoration loan?

Legal analysis: the provident fund can be decorated by loan, and the provident fund used for decoration must meet the following conditions:

1. Generally, the area of the house to be renovated is 70_, and the age of the house is within 15. If the above content is not up to standard, the handling fee will increase.

2. At present, there are standards for handling provident fund renovation loans, which generally exceed the standard, and the processing cost will increase relatively.

3. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. In the short term, owners who need to buy houses should not easily make provident fund decoration loans.

4. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After getting the loan, don't take all the money in the account, and leave a repayment limit of at least two months to avoid repayment default.

It takes a lot of procedures to apply for provident fund when decorating. You can prepare the formalities in advance, and you need to bring the original ID card and household registration book when you go through the formalities. The processing time is generally around 15 working days.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees. "

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. "

Twentieth units stipulated in the first paragraph shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. "

Thirty-seventh in violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund accounts for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed. "

Thirty-eighth in violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people for compulsory execution.

Can the provident fund be used to decorate the house?

Housing provident fund can be used to decorate houses with loans.

Provident fund renovation loan is another form besides provident fund loan in mortgage to buy a house. Provident fund for decoration must meet the following conditions:

1. The housing area required for general decoration is more than 70 square meters;

2. The room age is within 15 years.

The steps of housing provident fund loans are as follows:

1. Lenders need to submit a written application to the bank to apply for housing provident fund loans;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

6, bank audit, examination and approval, audit, signing a loan contract and other procedures.

legal ground

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can housing provident fund loans be used for decoration?

Of course.

Housing provident fund loans include: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans. Therefore, housing provident fund loans can be used for decoration.

The maximum amount of personal housing provident fund loans generally does not exceed 200 thousand yuan. More than 200,000 yuan shall be examined and approved by the central loan review committee. The loan amount is generally determined by the proportion that the borrower's monthly repayment amount does not exceed 50% of his family income.

Apply for provident fund renovation loans need the following information:

1. Identity certificates of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). ).

2. Proof of stable economic income (proof of unit wage income, etc.). ).

3. Housing provident fund deposit certificate.

4. The purchase contract and agreement signed with the selling unit (self-built housing needs to be approved by the land planning department).

5. My spouse and I fill out the loan application approval form.

6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses).

7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).

Extended data:

Provident fund loan application process

First, submit an application.

Self-built or overhauled housing, with the approval documents of land and planning management departments, apply for loans to the housing provident fund management center.

Two. Audit of banks or financial institutions

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Third, sign a decoration loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Fourth, find security.

Five, after approval, bank loans.

After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

Sixth, pay back later.