You can't.

Housing provident fund loans temporarily do not support applications for loans from different places.

2. People who have just joined the work, can they buy a house with a mortgage provident fund?

No, the provident fund loan is at least half a year.

Provident fund loan conditions:

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 he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because 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.

Extended data:

Letter of credit clause

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 he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because 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.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. On August 5, 20 17, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 30, 20 15, the down payment for purchasing a second home with provident fund loans will be cancelled by 20%!

loan limit

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum amount of housing provident fund loans does not exceed 70% of the total house price. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Interest calculation

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.

(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.

(six) the formulation and filing of interest calculation methods

3. I just joined the work and paid five insurances and one gold for one month. Can I use the provident fund loan to buy a house?

The provident fund loan has one condition: it needs to be paid continuously for more than six months (Shijiazhuang policy), so it is not allowed, and the loan time has not yet arrived.

4. Can I buy a house with a provident fund loan when I just go to work? How much can I borrow?

Provident fund loans have lower interest rates than commercial loans and are the first choice for many people to borrow money to buy a house. However, before handling provident fund loans, we should understand the basic requirements. For example, many talents just want to use provident fund loans. Whether they can handle it depends on many aspects, and the loan amount is the same. Let's analyze it together.

Can I use the provident fund loan when I first go to work? 1. The deposit time of provident fund loans should meet the standards. Many places require continuous deposit for more than 6 months, and the cumulative deposit time should not be less than 12 months. Before application, the deposit status of provident fund is normal. If you have not been to work for a long time, the deposit time of the provident fund has not met the requirements, or you have changed your work unit and the provident fund is in a sealed state, you cannot make a separate loan. 2. Although the married person has just started to work, but the spouse's provident fund deposit meets the requirements, he can let his spouse participate in the * * loan as the main lender of the provident fund and as the sub-lender. However, if the sub-lender does not meet the requirements for the deposit of the provident fund, then even if the loan can be made, it cannot participate in the calculation of the quota. 3.* * * With the loan, you must also pay attention to the number of provident fund loans in your name, which can be used to buy a second suite, provided that the first set of provident fund loans has been paid off, otherwise you can't borrow. In addition, provident fund loans rarely support loans from different places, so the provident fund paid by the work unit can only be handled there. How much can the provident fund loan borrow? The loan amount of provident fund is influenced by many factors, including the balance of provident fund account, the deposit base, the value of purchased real estate, the loan ratio and the loan term. Everyone's credit suite is different, and the loan amount is different. And it depends on the local policy of buying a house with loans. There will be a limit, which will not exceed 12 times of the balance of the provident fund account at most, 500,000 for personal loans and 900,000 for * * * loans.