Can Changsha use provident fund loans for self-built houses?
1. Changsha self-built housing provident fund loans must reach all natural persons who have paid the housing provident fund in full for more than half a year and have full capacity for civil conduct. If they still pay the housing provident fund normally when buying, building, renovating or overhauling their own houses, they can apply for individual housing provident fund loans. Borrowers applying for personal housing provident fund loans should meet the following conditions: they have legal and valid identity documents.
2. Changsha's self-built housing provident fund loan has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan. The purchase of owner-occupied housing (commercial housing, units to raise funds to build houses and second-hand houses) must issue a legal purchase contract or agreement; The approval documents of the land, planning and construction management departments at or above the county level must be issued for the construction and renovation of self-occupied housing; If the owner-occupied housing is overhauled, the appraisal certificate issued by the department with housing quality appraisal qualification shall be provided.
3, Changsha self-built houses with provident fund loans to buy commercial housing and units to raise funds to build houses, should pay a down payment of not less than 20% of the total price of the purchased houses; For the purchase of second-hand houses, the down payment shall not be less than 40% of the total price of the houses purchased; Construction, renovation and overhaul of owner-occupied housing, self-raised funds shall not be less than 50% of the cost of construction and overhaul of housing. Agree to guarantee according to the guarantee method approved by the center. Before the borrower pays off the housing provident fund loan, the borrower and his spouse may not apply for the housing provident fund loan again.
What is the process of drawing provident fund loans from self-built houses in Changsha?
1. The application for withdrawal of housing provident fund for self-built houses in Changsha must be made within the validity period of examination and approval. The applicant for withdrawal must be the owner of the house or the spouse of the owner before the housing provident fund can be built and used in advance, and the housing provident fund that meets the conditions for self-built houses can be withdrawn.
2. Materials to be submitted for the withdrawal of provident fund from self-built houses in Changsha: the certificate of consent to land use (or real estate title certificate) issued by the urban construction department at or above the town (township); Building approval issued by the planning department at or above the town (township); Invoices or receipts for building expenses; Copy of the Application Form for Withdrawing Housing Provident Fund from Self-built House (stamped with the official seal of the unit); Extract the applicant's identity card.
3. The specific process of extracting provident fund from self-built houses in Changsha: units or employees provide necessary materials, which are accepted by bank outlets, entered into the scanning data center for approval (no more than 3 working days), and extracted and transferred. Self-built housing can only be extracted once, and the amount jointly extracted by the property owner and spouse cannot exceed the cost of building; If an employee builds a self-occupied house with ownership, his spouse may apply for withdrawing the storage balance in his housing provident fund account.
4. If Changsha withdraws the housing accumulation fund on the condition of self-built housing, when the spouse of the owner of the self-built house withdraws (there is no name on the real estate license or the purchase contract), in addition to carrying the above materials, both husband and wife need to hold the original and photocopy of their ID cards and marriage certificates to the handling outlets.
The above is whether it is possible to use provident fund loans for self-built houses in Changsha, and what is the relevant content of the process of withdrawing provident fund loans from self-built houses in Changsha. The use of provident fund loans, the housing requirements are relatively high, but also need to meet the conditions of the bank to borrow money to buy a house.