What problems do you need to consider when you want to buy a house with provident fund?
1, familiar with local housing policies.
If buyers want to use provident fund loans to buy a house in a different place, then buyers should pay attention to the local purchase policy. Every city is different. If you buy a house in a different place, the policy of buying a house in a different place may be different from that in the city where you are now. Therefore, it is very important to be familiar with the local housing policy. Don't wait until you choose a house and want to trade, only to find that you are the object of purchase restriction. In addition, you should also know whether you meet the conditions for buying a house.
2. Pay attention to the problem of credit reporting.
Poor credit information will also affect provident fund loans. You'd better know clearly before applying for a loan. Usually banks require borrowers or their spouses to have outstanding overdue loans; The borrower's credit card overdraft is overdue; In the past two years, if the borrower's loan (excluding student loan) is overdue for six consecutive periods, the loan will not be issued. If you can't apply for a bank loan to buy a house, it will be even harder for buyers to buy a house.
3. Pay attention to the amount of provident fund loans.
Although applying for provident fund loans to buy a house can enjoy a relatively low loan interest rate, which can save a lot of loan interest, there are many restrictions on provident fund loans, such as loan amount, and the amount of housing provident fund loans in different cities and regions is different. Personal application and family application for housing provident fund loans are also different, and the amount of provident fund loans available for purchasing the first suite and second-hand houses is also different.
Can I use the provident fund to buy a house in a different place?
At present, many areas have liberalized the restrictions on using provident fund to buy houses in different places, but this will still happen in some cities, so buyers should take this into account. Usually, buyers only need to meet the requirements of 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.
Although the current housing prices are relatively high, everyone is under great pressure to buy a house, but property buyers can still enjoy many preferential policies when buying a house. If you master more preferential policies, buyers can also save a lot of housing costs. The above is the introduction of what issues need to be considered when buying a house with provident fund.