If your company raises funds to build a commercial house, you can definitely apply for a loan (note: many fund-raising houses are not commercial houses, look down after confirming that they are commercial houses).

30% of the down payment can't be loaned. The upper limit of the provident fund loan is 30W, depending on how much you can borrow, and then apply for a commercial loan for the insufficient part. If the total house price is 50W, the down payment is 15W, and the remaining 35W is used for the loan. If the provident fund loan is 15W, and the remaining 20W is used for commercial loans, the house can be bought.

Second, can the fund-raising house be loaned?

The fund-raising house can be mortgaged, but you need to get the consent of the unit. The materials generally needed are: 1, the mortgage application form and contract (company seal) for employees to raise funds to build houses; 2, the approval of the unit to raise funds to build a house (issued by the Housing Reform Office) and the audited employees to participate in the fund-raising housing roster; 3, individuals and units signed the "fund-raising housing agreement"; 4. Copy of the planning permit of the fund-raising housing unit; 5. A copy of the construction permit for the unit to raise funds to build a house; 6. Receipts and personal identification certificates for individuals to pay fund-raising for building houses.

Third, can the fund-raising house be loaned? What materials are needed?

The fund-raising house can be mortgaged.

The information usually needed is:

The application form and contract of employee's fund-raising mortgage for building houses; Approved by the unit to raise funds for housing and audited, employees to participate in the fund-raising housing roster; The fund-raising housing agreement signed by individuals and units; Copy of the planning permit for the unit to raise funds to build a house; A copy of the construction permit for the unit to raise funds to build a house; Receipt and personal identification of individual's payment of fund-raising housing funds.

legal ground

Article 36 of the Measures for the Administration of Affordable Housing, no unit may use the newly requisitioned or newly purchased land to organize fund-raising cooperative housing; State organs at all levels are not allowed to engage in unit fund-raising cooperative housing construction. Units to raise funds for cooperative housing shall not be sold to families that do not meet the supply conditions of affordable housing.

4. Can I borrow money from a fund-raising house? What materials are needed?

The unit fund-raising house can be mortgaged. Fund-raising housing refers to a way to change the system of housing construction by the state and units, and implement the joint commitment of the government, units and individuals to raise funds for housing construction. Individual workers can contribute in full or in part according to the house price, and the government and relevant departments will give some relief in land use, credit, building materials supply, taxes and fees. . The fund-raising house can be mortgaged, but you need to get the consent of the unit. The fund-raising house can be mortgaged, but you need to get the consent of the unit. The materials generally needed are: the application form and contract (company seal) for employees to raise funds to build houses; Unit fund-raising building approval (issued by the Housing Reform Office) and the roster of employees who participate in fund-raising building after the audit; The "Agreement on Raising Funds to Build a House" signed by individuals and units; Copy of the planning permit for the unit to raise funds to build a house; A copy of the construction permit for the unit to raise funds to build a house; Receipt and personal identification of individual's payment of fund-raising housing funds. Employees who purchase fund-raising houses can apply for housing provident fund loans while paying the down payment with housing provident fund. 1. Preparation materials: ① Original and photocopy of Notice on Payment of House Number Distribution ② Original and photocopy of Pre-lending Questionnaire of Housing Provident Fund Entrusted Loan (with blank form, which can also be downloaded from the homepage of Oilfield Lan Provident Fund) ③ Original and photocopy of marriage certificate (or proof of marital status) ④ Original and photocopy of ID card of borrower and spouse ⑤ Original and photocopy of joint card of borrower and spouse provident fund; The above contents are for reference only, I hope I can help you. Thank you for your support to the business office. I wish you a happy shopping!