Although the provident fund policy has been relaxed and provident fund loans have become more convenient, the audit of provident fund loans is also very strict. For example, the borrower must continuously deposit the housing provident fund for six months. What kind of house should buyers buy if they want to buy a house with provident fund loans?
What house can apply for provident fund loans?
① Commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center);
(2) the existing housing (that is, the purchase of property rights through housing reform);
③ Second-hand houses (stock houses are listed and traded);
(4) houses without property rights (must be mortgaged by the ownership of their own or third-party houses;
⑤ Auction house (the auction company must sign a loan cooperation agreement with the municipal housing provident fund management center).
What house can't apply for provident fund loans?
According to "Regulations on the Management of Housing Provident Fund" and "Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities", individual housing loans of housing provident fund can only be used to pay for the purchase, construction, renovation and overhaul of ordinary private housing for employees and support the basic housing demand. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase. Houses that can't apply for housing provident fund loans are mainly employees who buy third and above houses. In addition, housing provident fund loans have the following restrictions, and those beyond the restrictions will not be able to apply for provident fund loans.
① First suite: use provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area is less than 90 square meters, the loan down payment ratio is the lowest, 20%; The down payment ratio of loans over 90 square meters shall not be less than 30%.
② Second suite: If the provident fund personal housing loan is used to purchase a second set of ordinary self-occupied housing, the down payment ratio of the loan shall be no less than 50%, and the loan interest rate shall be 1. 1 times the benchmark interest rate of the provident fund personal housing loan; For those who have not paid off a mortgage, they will no longer issue a second housing provident fund personal housing loan. Individual cities stipulate that when the per capita area of the first suite exceeds a certain standard, the second set of housing provident fund personal housing loans will not be issued. If the per capita area of the first suite in Beijing is more than 3 1.3 1㎡, the second housing provident fund loan will not be issued; When the per capita area of the first suite in Nanjing is more than 33 ㎡, two sets of housing provident fund loans will not be issued.
(3) Employees who purchase the third and above houses cannot apply for provident fund loans. If it is the third set or above, the bank will stop issuing provident fund personal housing loans to buyers. In other words, it is impossible to buy a third house with a provident fund loan.
What conditions do buyers need to meet before they can apply for provident fund loans?
1. Those who deposit housing provident fund can apply for housing provident fund loans even if they are rural hukou;
2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);
3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;
4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds;
5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;
6. Agree to handle the purchase guarantee or mortgage property insurance;
7, agreed to other conditions stipulated by the housing provident fund management center.
After the above introduction, I believe you have some understanding of the use of housing provident fund. When housing prices are unattainable, it is really affordable for buyers to apply for housing provident fund loans, and now provident fund loans support off-site use. I believe that the use of provident fund loans can give you more convenience.
(The above answers were published on 20 16-04-26. Please refer to the actual situation for the current purchase policy. )
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