1. How long can I borrow to buy a house after the provident fund is paid?
According to the Notice on the Development of Housing Provident Fund Personal Housing Loan Business, employees who have paid the housing provident fund in full for more than 6 months can apply for housing provident fund personal housing loans. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
Most cities have stipulated the maximum amount of a single housing provident fund loan (consult the relevant local departments for details). For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal loans for Guangzhou housing provident fund is 500,000 yuan, and that for Beijing housing provident fund is 800,000 yuan. If the rating is 3, it can reach 800,000 * (1.30%) = 1.04 million, and 920,000 yuan can be loaned for 2A rating.
Second, what problems should I pay attention to when buying a house with a loan?
1. People with bad records can't get loans. If the loan applicant is blacklisted by the banking industry for some reason, whether intentionally or unintentionally, no matter which way is taken, it is impossible to obtain a successful loan from the bank;
2. A house without a title certificate cannot be loaned. Even if there are a lot of real estate assets, if you don't apply for a property right certificate, you can't apply to the appraisal company for appraisal, and the housing management department won't apply for mortgage registration, so the unlicensed house can't evaluate the loan;
3. Houses built on this kind of land do not pay land transfer fees, just like houses on collective land, because the housing management department does not apply for mortgage registration and cannot make loans;
4. Houses with very old houses were built earlier, and some even belonged to the dangerous house series. The banking department of this kind of house has regulations that it is not allowed to lend money and cannot borrow money from banks;
5. Houses within the scope of demolition. The local housing management department has frozen the property files and cannot apply for value appraisal. The real estate department has not registered the mortgage, so it can't borrow money from the bank.
legal ground
Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on developing individual housing loan business of housing provident fund.
Housing provident fund personal housing loan is an important way to improve the housing consumption capacity of paid employees, and it is also the basic rights and interests of paid employees. At present, the development of individual housing loan business of housing provident fund in different places is uneven, and the loan issuance rate in some cities is high, but the issuance rate in most cities is below 85%, which affects the legitimate rights and interests of paid employees and weakens the role of housing provident fund system. In order to improve the issuance rate of housing provident fund personal housing loans and support paid employees to purchase the first set and improved self-occupied housing, the relevant issues concerning the development of housing provident fund personal housing loan business are hereby notified as follows.
Reasonably determine the loan conditions. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. The housing provident fund management center shall not issue housing provident fund personal housing loans to the families of paid workers who purchase the third and above houses.