1, buying the first self-occupied house and not paying off the purchase price in full;
2. Purchase the first self-occupied house, and the purchase price has been paid in full;
3. Buy the first self-occupied house, choose to use a commercial loan and the loan has not been paid off.
First, how to withdraw provident fund from housing loans
There are two ways to withdraw the provident fund to repay the housing loan: once a year and once to repay the principal and interest of the housing loan.
("once a year" refers to the repayment of loans to the bank on time and month by month in accordance with the relevant provisions of the loan contract. After one year's repayment (12), the principal and interest of the housing loan that has been repaid for one year can be withdrawn once a year; "One-time repayment of housing loan principal and interest" means that employees who meet the conditions of one-time repayment of loans and require one-time repayment of the remaining loan principal and interest withdraw the provident fund to repay the remaining loan principal and interest. )
Second, how to apply for housing provident fund to repay the mortgage?
Repayment process from housing accumulation fund to mortgage:
1. To apply for housing provident fund loan, the borrower needs to submit a written application to the bank, fill in the housing provident fund loan application form and provide relevant information truthfully: such as the housing provident fund deposit certificate; Identification certificate; Proof of stable family income; Purchase contract; Proof of collateral valuation; Other information required by the provident fund center.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3 provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower shall sign the loan contract and other relevant documents with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
5. The borrower goes to the real estate registration department for mortgage registration. The specific procedures vary from place to place, and the provisions of the local housing provident fund management center shall prevail.
Legal basis:
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.