The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. Below I have sorted out the details of whether Hangzhou can use the provident fund for decoration, hoping to help you!

1. Can I use the provident fund for renovation in Hangzhou?

You can't. According to the current withdrawal policy of Hangzhou provident fund, housing consumption can only be withdrawn from the provident fund under the following circumstances, and nothing else can be done.

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of housing loans with property rights;

3. I have paid the housing accumulation fund for 3 months in a row, and my spouse and I have no self-owned housing in this city (including the main city, Xiaoshan District, Yuhang District and Fuyang District) (the railway workers are employees and their spouses have no self-owned housing at work, and the unit has not arranged single dormitory).

Second, the provident fund renovation loan conditions:

1. The lender must have permanent residence or valid residence status in this city;

2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow);

3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law;

4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price);

5. Have a stable economic income and the ability to repay the loan principal and interest (monthly income certificate issued by the unit);

6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.

Three, provident fund renovation loan application materials

1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );

2. Proof of stable economic income (proof of unit wage income, etc.). );

3, housing provident fund deposit certificate;

4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);

5. I and my spouse * * * fill in the loan application approval form;

6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);

7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).

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