You can't. 1, the house bought with the housing provident fund loan is temporarily unable to handle the transaction and transfer procedures. 2. If a house is bought or sold by mortgage, it is necessary to pay off the remaining loan first, cancel the mortgage of other warrants at the local housing authority with the repayment certificate issued by the bank, then apply for the real estate license, and then the buyer and the seller go to the housing authority to handle the property transfer procedures. "Regulations on the Management of Housing Provident Fund" Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchasing, building, renovating or overhauling self-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Leave the country to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw housing provident fund to pay the rent. ) 7, life is difficult, is receiving the city minimum living allowance; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers, and the unit to terminate the labor relationship; 10. Being sentenced, sentenced or reaching the national statutory retirement age at the expiration of his term of office; 1 1, dead or declared dead; If the employee withdraws the housing provident fund according to Article 4 (1, 5, 6, 7 and 8) of these Measures, the spouse may withdraw the housing provident fund from his account at the same time.

Can the house with provident fund loan be sold?

Houses bought through provident fund loans can generally be sold. But the consent of the mortgagee should be obtained. The Measures for the Administration of Urban Real Estate Mortgage stipulates that the mortgage right can be transferred with the creditor's rights. When the mortgage is transferred, a mortgage transfer contract shall be signed and the mortgage change registration shall be handled. After the mortgage is transferred, the original mortgagee shall notify the mortgagor.

1, short-term loan: 4.35% within 1 year (inclusive);

2. Medium and long-term loans: 1-5 years (including 5 years) is 4.75%; 4.90% for more than 5 years;

3. Personal housing provident fund loans: 2.75% for less than five years (including five years); 3.25% for more than 5 years.

The loan interest rates of different banks are different, but they are all based on the loan interest rate announced by the central bank, and the real interest rate may rise. Bank loan interest rates can be divided into short-term loan interest rates, medium-and long-term loan interest rates and provident fund loan interest rates. Take the central bank as an example to make a concrete analysis:

1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for half a year to one year (including house payment) is 4.35%.

2. Medium and long-term loans: the loan interest rate for one to three years (including three years) is 4.75%; The loan interest for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.

3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The interest rate for loans over five years is 3.25%.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems.

Can a house mortgaged by provident fund be sold?

1, the house can be sold with provident fund loans, but before the sale, you must first determine whether there is a real estate license.

2. Second-hand market transactions are mainly based on real estate licenses, and only with real estate licenses can they be listed and traded. If there is no real estate license, it means that there is no property right, so it is impossible to handle the transfer procedures, and accordingly it is impossible to buy and sell houses. Houses with outstanding loans are still mortgaged in nature and cannot be listed and traded.

3. Lending refers to a loan that sells or transfers personal housing to a third person and applies for personal housing loan to change the loan term, change the borrower or change the collateral. Different banks have different regulations on the way of refinancing. Some banks can handle it, but some banks don't.

4. Pay off the remaining loan with the buyer's down payment. This model is only applicable to the situation that the loan amount of the seller is low or the seller has paid off more than half of the loan, and the remaining loan amount is not large, and the buyer has sufficient funds to pay the down payment.

5. Use the bank loan to pay off the remaining loan, and the seller may consider using other collateral under his name to settle his mortgage loan. This method is that when the buyer wants to pay off the loan before selling the property, but the seller does not promise to pay a large down payment, the buyer needs to have collateral recognized by the bank before applying to the bank.