Of course.
1. Father and son can put provident fund loans together. They need people to have the amount of provident fund and usually pay it without three to six defaults. If the father and son are not registered in a family now, they need to provide proof of kinship. If the amount is, you need to call the provident fund management center (12329), and he will implement some specific conditions.
2. Father and son provident fund can borrow money to buy a house. Father and son's accounts need to be in the same account book, belonging to the housing provident fund and the borrower.
3. Housing provident fund co-borrower refers to two or more borrowers who jointly apply for housing provident fund loans.
4. According to the Measures for Private Purchase of Housing Provident Fund Loans, the calculation of housing provident fund loan amount is based on several multiples of the borrower's housing provident fund storage balance.
5. Article 8 of the Regulations on the Management of Housing Provident Fund stipulates that below the central government, housing provident fund management committees shall be set up in cities and other cities where the municipal government is located as districts (counties, counties and leagues) as decision-making bodies for management.
6. Members of housing provident fund management committee, heads of people's governments, heads of construction, finance, people's bank and other relevant departments and relevant experts account for 1/3, trade union and employee representatives account for 1/3, and unit account representatives account for 1/3. The director of the housing provident fund management committee shall be a person with social reputation.
1. If you and your father only have a provident fund, it may be difficult to become borrowers. In this case, loans should not be allowed. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national laws and regulations and the relevant provisions of provident fund loans, all employees who have paid housing provident fund can apply for provident fund loans.
2. If both father and son have provident fund, they should be able to jointly borrow money, but if the father and son are co-repayers, they need to issue a father-son certificate (if they don't separate accounts, they can directly separate accounts and issue accounts. If they are assigned to their accounts, they need to go to the local police station to open a separate account certificate.
Third, what should be paid attention to when buying a house after marriage;
1. Both characters are here.
In the process of buying a house, many signing processes are involved, such as signing sales contracts, applying for housing loans, and transferring transactions.
2. Certificate is the key.
When couples buy a house together, they need to provide more certificates, not less.
3. Pay attention to large loans and installment loans.
Due to the change of credit policy, it is necessary to determine the main lender and sub-lender according to the actual situation, not according to the income level. When the husband and wife repay the loan, they must determine the main lender and the secondary lender according to the actual situation.
Can father and son's provident fund borrow money to buy a house together?
If you apply for individual housing provident fund loans at Shenzhen China Bank, and your parents are employees of this city and are not the same applicants for children's provident fund loans, you can apply to be the same repayment person for your children. After signing the repayment agreement, you can repay the children's provident fund loans with the balance paid in their provident fund accounts (once a year).
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
Can father and son provident fund buy a house together?
Legal analysis
The father and son's provident fund can jointly borrow money to buy a house, requiring the father and son's household registration to be on the same household registration book, belonging to the housing provident fund and the borrower. Housing provident fund * * * The same borrower refers to two or more borrowers who apply for housing provident fund loans. According to the "Measures for the Administration of Housing Provident Fund Personal Housing Loans", the calculation of housing provident fund loan amount is based on a certain multiple of the borrower's housing provident fund storage balance. Therefore, when a person's housing provident fund balance is not enough to reach the required loan amount, it is necessary to "increase" others as co-borrower to increase the loan amount.
legal ground
Article 7 of the Measures for the Administration of Individual Housing Loans for Housing Provident Funds (* * * with the Borrower) The spouse or family members of the borrower may be * * * with the borrower. * * * Undertake joint and several liability with the borrower to repay the provident fund loan. If the borrower's spouse or family members need to be the same borrower, they must meet the conditions stipulated in the first paragraph of Article 6 of these Measures.
Can father and son use provident fund loans together?
Of course.
If a child buys a house and applies for a provident fund loan, the lineal blood relatives can use the balance of the provident fund account to repay. The principal lender must produce proof, and the borrower must be the spouse of the principal lender or the immediate family member of the same household for more than one year.
The loan conditions of housing provident fund are: buying self-occupied housing with ownership in cities and towns of this city; Before applying for a loan, the housing provident fund shall be paid continuously and normally for 6 months; The borrower's family has no outstanding housing provident fund debt.
If you did not apply for provident fund loans when buying a house, you can apply for the withdrawal of housing provident fund with real estate license, purchase contract, purchase invoice, ID card, relationship certificate, withdrawal certificate issued by the unit to which the provident fund account belongs and withdrawal application form within 6 months after the issuance of real estate license.
Extended data
Portfolio loan process:
Purchase of commercial housing, affordable housing to apply for individual housing provident fund loans (portfolio loans) procedures can be divided into:
Step 1: Apply for a loan at the loan bank.
The borrower applies for housing provident fund loans to the real estate credit departments of CCB in all districts and counties with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (marriage certificate or other proof of husband-wife relationship is required for couples to use housing provident fund loans), and fills in the Application Form for Individual Housing Provident Fund Loans (Combined Loans).
Step 2: Bank audit
According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.
Step 3: Sign a loan contract with the loan bank.
After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee).
Step 4: Go to the property right department to handle the loan guarantee procedures.
Step 5: Go through the formalities of housing mortgage insurance.
After the borrower completes the mortgage or pledge formalities in the property right department, he shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities.