How to use the housing provident fund loan to return a house, the specific provisions are as follows:

1. During the loan period, if the lender wants to withdraw money, he can apply to the loan bank, and after the loan bank agrees, he can go through the withdrawal procedures.

2. After the loan bank agrees, you can go through the loan repayment procedures. However, if the lender has the right to repay the loan in advance after the maturity, the lender may propose to the bank and obtain the consent of the bank.

Second, how to apply for housing provident fund loans

(Source: Qian Jin Online-Guizhou Daily Author: Tu Yanyan Xiang Yongdong) According to the person in charge of the housing provident fund management center, the conditions for applying for housing provident fund loans are: having a permanent residence in the administrative area of Guiyang; Continuous deposit of housing provident fund for more than 6 months; Having full capacity for civil conduct; Have a stable economic income and the ability to repay the principal and interest of loans; There are procurement contracts, agreements or other approval documents that meet the legal requirements; Have its own funds of more than 30% of the total price of the purchased ordinary self-occupied housing; Having a guarantee approved by the municipal housing provident fund management center and the entrusted bank; Where real estate mortgage is used as a guarantee, it shall comply with the relevant provisions on the management of real estate mortgage; Other conditions stipulated by Guiyang Housing Provident Fund Management Center. The materials required to apply for housing provident fund loans are: "Guiyang Housing Provident Fund Entrusted Loan Application Form"; Original and photocopy of the borrower's household registration book and resident identity card; Proof of the borrower's occupation and economic income issued by the borrower's unit; The original and photocopy of the procurement contract, agreement or other approval documents that meet the legal requirements. To purchase ordinary commercial housing and affordable housing, you need to provide a copy of Guiyang Commercial Housing Pre-sale Permit and Guiyang Commercial Housing Pre-sale Contract Registration Form (the copy must be stamped with the official seal of the seller); Original and photocopy of the down payment certificate for ordinary self-occupied housing with a total purchase price of more than 30%; List of collateral or pledge, certificate of ownership, certificate of consent of the person who disposes of mortgage or pledge right, certificate of collateral valuation issued by the competent department, written document of guarantor agreeing to provide guarantee, and credit certificate of guarantor; Other documents or materials required by Guiyang Provident Fund Management Center. When handling housing provident fund loans, the borrower should first go to the housing provident fund management center or the entrusted bank loan business acceptance network for consultation, whether it has the housing provident fund loan conditions; Meet the conditions, in the housing provident fund management center or the entrusted bank loan business acceptance outlets to receive the "housing provident fund entrusted loan application form", and fill in the required information according to the form, and send it to the housing provident fund management center or the entrusted bank loan business acceptance outlets; The housing provident fund management center will review the borrower's information and credit within two days. For those who meet the conditions for issuing loans, the housing provident fund management center will send the borrower's information to the entrusted bank, and two days later, the borrower will receive a notice from the bank to handle the relevant loan procedures. For those who do not meet the conditions for issuing loans, the application materials shall be returned.

3. How to apply for housing provident fund loans?

The borrower needs to establish a provident fund account for more than 12 months, and pay the housing provident fund in full for more than 12 months. Normal deposit includes continuous monthly deposit, early deposit and overdue payment of housing provident fund, and it is in the state of deposit when applying for a loan. With the approval of the housing provident fund management department, the employees of the paid-in units can apply for loans on the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more. Two. The loan applicant is a retiree who pays the housing provident fund during his working period. Meet one of the above conditions, it meets the application conditions for housing provident fund loans. I hope my answer is helpful to you. Thanks for your support.

Four, how to apply for housing provident fund loans?

How to apply for housing provident fund loan Housing provident fund is a long-term housing savings fund, and its essence is a part of employees' wage income, that is, housing wages. The principle of territorial management and earmarking is applied to the housing provident fund. During the working period of employees, they can be used for housing consumption such as purchase, construction, large and medium-sized repair and payment of rent. Yinchuan Housing Provident Fund Management Center has clear regulations on applying for housing mortgage (entrusted) loans: loan conditions: 1. Individuals apply for loans 1, and the applicants and their units have continuously paid the housing accumulation fund 1 year or more; 2. Have a house purchase contract or relevant supporting documents; Self-built, renovated or overhauled houses must have relevant documents approved by the planning and land departments; 3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan; 4, there are more than 50% of the total purchase price of its own funds; 5. Agree to handle the mortgage guarantee procedures of loans and the insurance of collateral according to regulations, and the insurance period must be longer than the payment period of half a year. Second, the unit applied for a loan 1, and the unit and its employees have paid the housing provident fund for more than one year; 2. Have independent legal person qualification and independent accounting; 3, the loan project has been included in the city's annual fixed assets purchase and construction plan; 4, the loan unit has more than 30% of its own funds for the purchase and construction; 5. There are a certain amount of assets as collateral, and the discount of collateral shall be implemented according to the provisions of the general loan rules; 6. Agree to handle collateral insurance according to regulations, and the insurance period is longer than the loan period of half a year. Loan amount 1. The amount of personal loans for employees is approved to be no more than 50% of the total value of housing purchased by employees; Two, the unit to apply for a loan amount, according to the unit name housing provident fund balance of 70%. For individual units with poor living conditions, the loan amount may be appropriately relaxed. Term of loan. The term of an individual housing loan shall not exceed ten years, but the sum of the term of the individual loan and the age of the borrower shall not exceed the statutory retirement age; Two, the unit housing loan period, according to the housing cycle, the longest not more than three years, the longest housing loan period not more than one year. Loan interest rate. Unit interest rate: add 1.80% spread on the basis of the stipulated provident fund deposit interest rate, and the loan term will increase by 0.54% for each year; 2. Employee's personal loan interest rate: based on the stipulated provident fund deposit interest rate, add a spread of 1.80%, add 0.36% for each extension of less than five years, and add 0.54% for each extension of more than five years (including five years); Three, the unit and individual loan interest rates shall be adjusted accordingly with the change of interest rates stipulated by the state. Loan procedure 1. The loan unit or individual submits a loan application to the provident fund center, and the "center" reviews the loan qualification and credit standing of the lender and signs the examination and approval opinions; Two, after the approval of the "center", the handling bank and the borrower signed a loan contract, responsible for the issuance and recovery of loans, and quarterly settlement. Schedule: Latest interest rate table of housing provident fund loan: individual unit monthly interest rate before adjustment% adjusted monthly interest rate% adjusted monthly interest rate% 1 year 4.954.325.554.622 5.254.626.005.073 5.554.526.455.