Provident fund to buy a house is good. You can borrow money to buy a house, and it doesn't matter much if you break off halfway. What you paid before is still yours. At present, there are some policies to buy a house everywhere, such as 1 year social security records and so on. I suggest you know about the local housing policy.

Second, how does the company handle the provident fund as a legal person?

You need to bring a full set of company licenses, official seals, etc. Open a company account in the housing provident fund management center, and then go to the bank for withholding procedures, and then the bank will deduct money from the bank account every month.

Legal basis: social insurance law

Article 57 An employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.

In Hengshui, being a company legal person, can I still borrow provident fund?

Just meet the conditions.

Provident fund loan conditions:

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2, continuous normal deposit of housing provident fund for more than twelve months;

3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;

4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Provident fund loan processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) 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 handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

4. The first home provident fund loan has not been paid off. Can I use the provident fund loan for the second suite?

The first home provident fund loan has not been paid off. Can I use the provident fund loan for the second suite?

No, if the provident fund loan for the first house has not been paid off, you can only choose commercial loans to buy a second house or more. If you want to pay off the provident fund loan for the first suite of provident fund, you can reapply.

If the housing provident fund loan applied for by the first home loan standard has not been paid off, the loan interest rate will increase by 10% according to the second home loan. If two or more commercial loans have not been paid off, they cannot apply for housing provident fund loans.