Now working-class people buy real estate, basically with provident fund loans. Provident fund is a basic right of employees. The main purpose of provident fund is to lend money when buying real estate or as the down payment of real estate. However, the provident fund also has a statutory number of uses. Then, how many times can the provident fund loan be used in a lifetime?
According to relevant laws and regulations, provident fund loans can be used twice in a lifetime. That is, you can use it once the first time, once the second time, and you can't use it anymore. The provident fund loan was not used for the first two times, but it can't be used for the third time. Provident fund loans are only bound for the first two times. If it is a family-based provident fund loan, there are only two opportunities, that is, if the husband and wife form a family loan together, it is also regarded as one time.
The second provident fund loan needs to be applied after the first provident fund loan is paid off, that is, the loan can only be made once at the same time, and the next loan can only be made after the repayment is completed. And before applying for provident fund loans, the time for continuous full deposit of housing provident fund is not less than 6 months, and some cities are legally not less than 12 months. Therefore, if you want to use provident fund loans, you need to know the preconditions of provident fund loans.
Third, the number of provident fund loans is limited.
Provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment; Generally speaking, if the family has bought two houses with the provident fund, they can no longer use the provident fund loan; That is to say, provident fund loans can only be loaned twice at most. 1. According to the relevant provisions of provident fund loans, inquiring about the borrower's personal housing loan records of housing provident fund in the housing provident fund information system is regarded as the identification standard for the second and above housing provident fund loans, and the commercial loan records are not inquired for the time being. Specifically: when applying for housing provident fund personal housing loan, the loan applicant has no housing provident fund personal housing loan record and belongs to the first home loan; When applying for the housing provident fund loan, if the loan applicant already has a 1 housing provident fund loan, it belongs to the second home loan; When applying for the use of housing provident fund loans, if there are 2 or more housing provident fund loan application records among the loan applicants, it will be regarded as the third or more housing provident fund loans. 2. When applying for a housing provident fund loan, the borrower only has a 1 housing provident fund loan. If it meets the housing provident fund loan conditions, it can apply for a housing provident fund loan, but it belongs to a second home loan. 3. Applying for housing provident fund loans should meet the following four basic conditions at the same time: (1) The borrower has paid the housing provident fund in full and on schedule for more than six months before the month of application; (2) The down payment for house purchase shall not be less than the specified proportion; (3) Being able to implement loan guarantee; (4) The borrower, spouse and other property owners have no housing provident fund loan debt, and their personal credit status is good. (Note: loan applicants (including * * * loan applicants) must meet the loan conditions).