1. One of the husband and wife has used the provident fund loan to buy a house and can use the other provident fund loan to decorate it.
2. If the personal provident fund loan is up to 500,000, the family loan is up to 900,000.
3, have the conditions:
(1. The lender must have permanent residence or valid residence status in this city.
(2) Push forward from the date of application, and pay the housing provident fund 12 months in full (if both husband and wife pay the provident fund, only one person is allowed to borrow).
(three) there are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law.
(4) A certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price).
(5) Have a stable economic income and the ability to repay the loan principal and interest (monthly income certificate issued by the unit).
(6) Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
Two, one of the husband and wife used the housing provident fund loan, the other party can use the housing provident fund loan to buy a house?
When a husband and wife use housing provident fund loans, they can review them not as individuals, but as families.
The identification standard of the second set of housing is based on the actual identification of the family members to be purchased (including the borrower, spouse and minor children, the same below), and the number of existing housing units provided by the housing management department under the name of the loan worker's family.
If the first housing loan purchased with the provident fund loan is not settled, the housing provident fund loan cannot be used. Even if there is no house in the name, individuals and family members can no longer use the provident fund loan to buy a second house.
Extended data
housing accumulation fund
(1) guarantee, which provides a guarantee for workers to solve the housing problem quickly and well;
(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing, and housing provident fund reflects the mutual assistance of housing provident fund to workers in terms of funds;
(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.