Only the woman's name is written on the real estate license. If the husband and wife share a house, they can use the man's housing provident fund loan. Taking Zhengzhou as an example, the loan terms are as follows:
1. Valid identification of the borrower and its spouse;
2. The prescribed down payment has been paid, down payment+loan amount = total house payment, but the house payment has not been paid;
3. The borrower has continuously and normally paid the housing accumulation fund for more than 6 months (inclusive), and the amount not paid recently has not exceeded 4 months;
4, the family income is stable, good reputation, the ability to repay the loan principal and interest;
5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;
6. The borrower and spouse have no outstanding housing provident fund loans or large debts.
Other provisions on housing provident fund loans.
The materials required for the loan are as follows:
1. Two copies of ID cards of the borrower, spouse and owner (if any).
2. Two copies of the household registration book of the borrower, spouse and owner (if any).
3. Two copies of the borrower's marriage certificate (with relevant agreements).
4. Three originals of the commercial housing sales contract (two copies of the contract information filing summary).
Refer to the above? Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loan
The real estate license is my name. Can I borrow from my husband's provident fund?
No, provident fund loans should be handled together when you buy a house loan. Now you are already making a commercial loan.
The purchase contract is the wife's name. Can I borrow from her husband's housing provident fund?
Yes, you can.
Taking Inner Mongolia Autonomous Region as an example, according to Article 9 of the Measures for the Administration of Housing Provident Fund Loans in Inner Mongolia Autonomous Region, if a married borrower applies for housing provident fund loans, his spouse is the same borrower and the same debtor; In case of special circumstances, the borrower shall provide legal and effective relevant certification materials, which shall be confirmed by the housing provident fund management center.
Workers who have paid the housing provident fund in full and continuously for more than 6 months and have full capacity for civil conduct can apply for housing provident fund loans or portfolio loans if they purchase, build, renovate or overhaul their own houses. Employees whose housing provident fund accounts are sealed or sealed centrally (excluding employees who pay once a year) cannot apply for housing provident fund loans.
Extended data:
Provisions on relevant requirements for housing provident fund loans:
1. If the borrower fails to repay the loan according to the loan contract, and it is overdue for more than 6 months, the housing provident fund management center can repay the loan principal and interest and penalty interest with the deposits in the housing provident fund accounts of the borrower (and spouse) and the guarantor after notifying the borrower (and spouse) and their unit and guarantor.
2. Resident identity cards (military officer's cards), household registration books, marriage certificates of borrowers and their spouses, collateral owners and their spouses, and certificates of marital status issued by civil affairs departments.
The house is the wife's name. Can I borrow her husband's provident fund?
First, in whose name the loan is made, the name of the real estate license must be who. If the loan is in the name of the husband, but the name of the wife is written on the property certificate, it is unacceptable. It's just that the buyer is two people, and the husband and wife have a house, so it's ok to borrow money in the name of the husband. After the loan is paid off, the husband can transfer his share of the house to his wife, who can own it alone.
2. According to Article 15 of Several Provisions on Provident Fund Management: If employees or their parents or children buy, build, renovate or overhaul their own houses in this city, employees may apply to the Provident Fund Management Center for housing provident fund loans.
To apply for housing provident fund loans, the following conditions shall be met:
1. Have legal and valid identity documents;
2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;
3. Have a stable income and the ability to repay loans;
4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;
5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;
6. Other conditions stipulated by relevant laws, regulations and policies.
Extended data:
operation sequence/order
1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;
2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;
3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches;
4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;
5. The entrusted bank issues loans to borrowers.