Legal analysis: you can borrow money to buy a house after paying the provident fund for one year. The conditions of provident fund loans are as follows: 1. To apply for provident fund loans, you must have a People's Republic of China (PRC) household registration and a valid resident ID card; 2. When applying for provident fund loans, the housing provident fund has been continuously paid in full 1 year or more; 3. To apply for provident fund loans, you must have a purchase contract or agreement confirmed by the real estate registration department where the house is located, and you can go through mortgage or guarantee procedures; 4. The purchased house has paid the down payment according to the regulations; 5. Applying for provident fund loans requires a complete civil act.
Legal basis: Article 29 of the Regulations on the Management of Housing Provident Fund shall be deposited into the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.
How many years can provident fund loans be borrowed?
At present, the loan period of housing provident fund in China is 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to five years after the statutory retirement age.
The loan period of housing provident fund loans is also related to the use of primary and secondary houses. Require the housing provident fund to borrow money to buy a house by itself. The longest time to borrow a new house is not more than 30 years, and the longest time to borrow a second-hand house is not more than 15 years; Apply for personal housing provident fund loans for construction, renovation, overhaul, the longest is not more than fifteen years; To apply for provident fund loans for housing construction, renovation and overhaul, the loan term should be the same as that required for housing purchase. It should be noted that the above-mentioned fixed number of years shall not be greater than 5 years after the statutory retirement time of the borrower.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
definition
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.
The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. According to the Notice of State Taxation Administration of The People's Republic of China on Deduction of Enterprise Wages and Salaries and Employee Welfare Expenses (Guoshuihan No.2003), the "total wages and salaries" mentioned in Articles 40, 41 and 42 of the Regulations for the Implementation of People's Republic of China (PRC) Enterprise Income Tax Law refers to the total wages and salaries actually paid by enterprises according to Article 1 of Document No.3 of Guoshuihan [2009], excluding enterprises.
How many years can provident fund loans be borrowed?
How many years can a provident fund loan be borrowed, which is related to a second-hand house and the purpose of the loan. Apply for housing provident fund personal housing loan: the first-hand household can not exceed 30 years; The service life of second-hand houses cannot exceed 15 years; Personal construction, renovation and overhaul of self-occupied housing provident fund loans can not exceed 15 years; Apply for housing loans attached to the housing provident fund construction, renovation or overhaul loans, the loan period should be the same as the application for housing loans. "Measures for the Administration of Individual Housing Loans" Article 10 The lender shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years. Article 11 The borrower shall work out a repayment plan with the loan bank. If the loan term is within 65,438+0 years (including 65,438+0 years), the borrower will repay the principal and interest at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.
How many years can the provident fund be loaned?
The longest loan period of housing provident fund can not exceed 30 years, and it can not exceed the statutory retirement age of employees or their spouses.
1. provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
2 provident fund loan conditions:
Having legal and valid identity documents;
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;
For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;