Pay a down payment first
Buying a house with provident fund loan is to pay the down payment before applying for a loan. When applying for provident fund loan, the applicant needs to provide the down payment certificate, purchase contract, bank statement, personal identity information and other materials, so it is necessary to pay the down payment before applying for a loan.
Second, housing provident fund loans to buy a house, should I pay the down payment first or the loan information should be reviewed by the provident fund center before paying the down payment?
To buy a house with provident fund, you need to pay a down payment first, and then you can apply for the approval of provident fund loan after submitting the down payment receipt and loan information.
Third, the provident fund to buy a house is to sign a house purchase agreement before applying for the provident fund. The first is the purchase agreement. ...
You can't apply for a provident fund loan if you have paid the provident fund for less than one year.
Therefore, first choose a commercial loan, and after 1 1 month, turn it into a provident fund loan.
You can also withdraw the provident fund and take out the money in your provident fund account to repay the commercial loan. You can take the exam 1 or twice a year. The specific situation needs to consult the local provident fund management center.
The specific amount of the loan and the repayment period need to consider your personal economic situation. I suggest you consult the person in charge of commercial loans.
4. Can the balance of the provident fund be raised to pay the down payment and then apply for a provident fund loan?
Requirements for withdrawal of provident fund: housing: purchase, construction, renovation and overhaul of principal and interest of owner-occupied loans; rent
Provident fund loan requirements: Any employee who normally pays the housing provident fund in the housing provident fund management center and buys or builds a self-occupied house within the administrative area of this Municipality may apply for a housing provident fund borrower to buy a house).
Therefore, you can first withdraw the provident fund as a down payment, and then apply for a provident fund housing loan.
Extended data
Withdraw housing accumulation fund
1, yishoufang extraction:
(1) Original and photocopy of the house purchase contract or house purchase agreement;
(2) The original and photocopy of the purchase invoice;
(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;
(4) To withdraw the employee's own provident fund deposit, in addition to the above information, the original and photocopy of the husband-wife relationship certificate and the copy of the main buyer's provident fund withdrawal record sheet are also required.
2, second-hand housing extraction:
(1) real estate
(2) Original and photocopy of deed tax payment certificate;
(3) Withdraw employee ID card and withdraw provident fund.
(4) Withdraw the provident fund from the employee's own bank savings account; In addition to the above information, the spouse of the employee needs the original proof of the relationship between husband and wife and a copy of the withdrawal record.
3, workers because of the purchase of public housing
(1) Original and photocopy of the certificate issued by the housing management department of the unit;
(2) The original and photocopy of the purchase receipt.
Housing provident fund loan conditions
Only employees with 1 system are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. Individuals who participate in housing provident fund housing loans must also meet the following conditions: that is, the continuous payment of housing provident fund for not less than 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable. After the loan is issued,
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, they are given housing provident fund loans, which explains the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.