The "one gold" in the five insurances and one gold we pay at work refers to the housing accumulation fund, which is used when we borrow money to buy a house. It is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and indemnificatory. But do you know how to buy a house with a housing provident fund loan? If you want to know, let's take a look with Bian Xiao.

First, the housing provident fund loan conditions

1, with relatively stable professional and economic income, corresponding repayment ability and good personal credit.

2. There are assets recognized by the provident fund center as collateral or pledge, or units with sufficient compensatory capacity as guarantors.

3, other conditions stipulated by the provident fund center.

4 employees with permanent residence or valid residence identity certificate within the administrative area of this Municipality.

5. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan.

6. There is a contract or agreement to purchase a house, and the down payment amount is not less than 30% of the value of the house purchased.

Second, the housing provident fund loan interest rate

Provident fund loans are generally divided into average capital repayment method and equal principal and interest repayment method. Equal principal and interest, equal monthly repayment. The initial repayment amount of average capital is large, and then it will decrease month by month, saving interest relatively.

Third, the housing provident fund loan process

1. Applicants bring information to the management center for consultation, application and filling in the application form.

2. After approval, the Center will issue a power of attorney to the applicant.

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office.

4. The applicant should wait for the seller to seal and sign the contract information.

5. The applicant holds the Guarantee Loan Contract (mortgage contract) and goes to Suqian Real Estate Management Office (the real estate transaction hall of the west podium of Jianshe Building) for mortgage registration.

6, the applicant to register the loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the notice of transfer, with the notice of transfer to the bank for transfer procedures.

The above is about how to use the housing provident fund loan to buy a house. I hope it will help everyone!