Legal analysis: 20-year-old houses can use provident fund loans. Generally speaking, the second-hand housing should be loaned through the provident fund, and the loan period should not exceed 20 years at the longest; Second-hand housing loans can not exceed 40 years, which means that you can apply for provident fund loans for 20 years, but the loan period is relatively short. Because the remaining property rights of second-hand houses are short, the related maintenance costs are high, and the value will be relatively low. The specific loan amount and application period need to be comprehensively approved by the bank according to the user's situation and the housing evaluation report.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
2. Can a 30-year-old house use provident fund loans?
Can a 30-year-old house be loaned by provident fund?
A 30-year-old house can use the provident fund loan, but the provident fund loan must meet the following conditions: 1, with legal and valid identity documents; 2, must be fully repaid for more than 6 months, to ensure good credit, stable income and the ability to repay loans; 3. It has legal and valid proof of the purchase contract.
What are the procedures for provident fund loans?
The first step: first consult the local provident fund management center to understand the application conditions and what materials need to be prepared.
If you meet the conditions of provident fund loans, you can further prepare sales contracts, husband and wife ID cards and other related materials.
The third step, the center submits the loan application form and materials, and the housing accumulation fund conducts a preliminary examination according to the materials and application form, and the audit contents include: loan qualification, quota period, etc. The applicant's time limit for payment, if passed in the first instance, will give you a notice of collateral review and evaluation.
The fourth step: the appraisal agency applying for appraisal should pay attention to the fact that affordable housing does not need to be evaluated.
Step 5: Take the evaluation report to the provident fund center. If the evaluation price is consistent with your loan amount, you will issue the Notice of Investigation on Entrusted Loan for Housing Fund Management Guarantee.
sixth
Step 7: Sign a loan contract.
Step 8: finally, withdraw money from the bank window of the provident fund management center within the specified date and receive the bank receipt.
Bian Xiao can use the relevant contents of provident fund loans at any time, hoping to help everyone! The interest rate of provident fund loans is relatively low, but many conditions must be met when using provident fund loans, one of which is before loans.
3. Can I buy an old house with a provident fund loan?
Of course you can get a loan! As long as you buy a property right house, there is no problem with the provident fund loan, even in the old house! No more than 70% of the house price!
If you want a commercial loan, it will be more difficult, because the commercial loan for a house 90 years ago depends on your qualifications, or you can only help you package it through a loan company!