Buying second-hand houses can be loaned, but now the second-hand housing loan policy has been tightened, and some cities are unable to lend. These all need to consult the local bank. Specific policies vary from place to place. However, the loan process is very simple. You just need to take your salary certificate, go to the bank to apply for a loan, and then go to the developer to get some materials, and the loan will be done. As long as you are a low-risk lender, the bank will lend you money.

But if you don't have any assets, and you don't have running proof of your salary, it's easy to fail the loan. Because banks can't determine whether you are low-risk or high-risk. Some people will say that they can just transfer their salary to Yu 'ebao. In fact, this will still greatly affect the company's running water certificate, because the bank's running water certificate is used as a voucher when lending. Therefore, it is best to transfer your salary to a bank account, so that you can get some loans later.

Some places are very suitable for provident fund loans, and the interest rate is very low. Some units also pay several times the provident fund. If you don't want to buy a house in the future, the provident fund can also be used to rent a house, or you can take it out yourself. Some enterprises also advocate the abolition of provident fund, but it should not be abolished, which is very good for our ordinary employees. This is a preferential policy for us. If we have plans to buy a house, the provident fund will help us a lot.

So we should be the kind of job that will give us five insurances and one gold. The provident fund will become very useful when we want to buy a house in the future. Nowadays, people want to save the down payment and then borrow money to buy a house. I don't need my parents' money to support myself. I have my own personal property before marriage, which is more reassuring. Because nothing is more reliable than relying on yourself. I hope everyone can realize the freedom to buy a house.