Commercial housing can use provident fund loans. The law clearly stipulates that when building or decorating a house, you can apply for provident fund from the housing provident fund deposit management center. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant. Housing provident fund loans, the entrusted bank shall handle the loan procedures.

Which houses can't use provident fund loans?

1, small property right house

Property right houses only have property right certificates issued by the township government, and there is no property right certificate issued by the state, so property right houses are also commonly known as "township property rights houses". It is precisely because there is no property right certificate in small property houses. Therefore, the housing provident fund management center does not recognize small property houses and naturally cannot use provident fund loans.

In addition, it is impossible to use provident fund loans without property certificates. Because the title certificate is the only proof of the ownership of the house, if you buy a house without a title certificate, then the bank can't judge the ownership of the house. Therefore, houses without property certificates cannot use provident fund loans.

2. Public housing

Houses under the name of public schools and hospitals are all public houses. No matter what the purpose is, no matter individuals or enterprises or institutions, they have no right to dispose of public houses. You can't use provident fund loans to buy these public houses, so no matter how cheap the public houses are, everyone should not buy them.

3. Illegally built houses

For those illegally built houses, they may be forcibly demolished at any time, not to mention buying houses with provident fund loans. Therefore, when buying a house, we must pay attention to the developer's five certificates, because if the developer's five certificates are incomplete, then the house he built is essentially an illegal building.

Matters needing attention in provident fund loans

1. Pay attention to the deposit time of the provident fund.

Many cities stipulate that the provident fund can be fully paid for a certain number of years before applying for provident fund loans. Therefore, if you want to use the provident fund loan to buy a house, then you should pay attention to your own provident fund deposit time. If you don't have enough time to save, you have to postpone the plan to buy a house.

2. Pay attention to personal credit.

Whether it is a commercial loan or a provident fund loan, good personal credit is the prerequisite for obtaining a mortgage. Therefore, before applying for provident fund loans, everyone must maintain good personal credit, and never have bad records such as overdue credit cards and unpaid living expenses.

3. Pay attention to the amount of provident fund loans.

With the continuous upgrading of property market regulation, many cities have lowered the amount of provident fund loans, which is obviously not a good thing for buyers, because it means they have to increase the down payment ratio. Therefore, everyone must pay attention to the amount of provident fund loans before applying for provident fund loans.

4. Pay attention to the loan application materials.

Now the mortgage approval is getting stricter and stricter. If the application materials are incomplete or fraudulent, the provident fund loan is likely to be rejected. Therefore, before you apply for provident fund loans, you must prepare the loan application materials in advance to avoid being refused loans. If you pay enough housing provident fund, you can't use the provident fund loan.