You can't use provident fund loans for apartments.

Because the housing provident fund is aimed at housing, 40-year-old property apartments cannot use provident fund loans. The provident fund is mainly used to purchase, build, renovate and overhaul self-occupied houses, repay the principal and interest of home purchase loans, and subsidize the rent that exceeds the family wage income.

First, the provident fund can only be used for residential buildings, that is, the land is "residential land" and the land use period is 70 years. Usually single apartments, LOFT, office buildings and other houses. The nature of the land is "commercial service land", and the land use period is 40 years, so it is impossible to use provident fund loans. If the purchased apartment is a residential apartment with 70-year property rights, you can apply for a provident fund loan.

Second, the apartment loan processing

Before the apartment loan, it is necessary to know the purpose of the land for building property. If the property is commercial land, the property right of the apartment belongs to 40 years. If it is residential land, the property right of the house is 70 years. 40 years of land belongs to commercial land. You can only choose commercial loans when purchasing, but you can't use provident fund loans. In the loan, you don't enjoy the national first suite policy, you can only borrow 50%, and you need to prepare 50% down payment. If it is residential land, you can enjoy 70% of the first suite policy loan, and you only need to prepare 30% down payment.

Third, matters needing attention in buying an apartment

1, please pay attention to the property right of the house: commercial houses and houses are different, so when buying a house, you should pay attention to what kind of apartment you want to buy. According to the relevant regulations, the nature of the right to use the combined house is consistent with the land use right, and the nature of the commercial house is only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the property, and it is clear at a glance whether it is residential or commercial.

2. Clarify the purpose of purchase: When buying an apartment, I suggest you first determine what you are buying an apartment for. If you want to buy an apartment for investment, you can choose a business apartment. Pay attention to whether the security system is perfect, the matching of the house and the surrounding traffic network are vertical when purchasing. If you live by yourself, I suggest you choose a residential apartment, because most commercial apartments are closed to natural gas and cannot meet the basic needs of life.

3. Pay attention to the surrounding environment and supporting facilities of the community: the environment of the community is very important, no matter whether the apartment is occupied or used for other purposes. When buying a house, buyers need to see whether the supporting facilities of the community can meet the needs of life, and whether there are basic supporting facilities for life near the community, such as supermarkets, vegetable markets and medical clinics.

Can I get a provident fund loan for my apartment?

Some people will ask when they buy an apartment: Can they get a provident fund loan? Answer: No.

Because the housing provident fund is aimed at housing, 40-year-old property apartments cannot be loaned with provident fund, which is stipulated by the state and paid by employees (units) according to their wages. It is mandatory, welfare, security and mutual assistance. The paid provident fund belongs to individual employees and no one else has the right to use it.

The main purposes of the provident fund are: buying, building, rebuilding and overhauling self-occupied houses, repaying the principal and interest of home purchase loans, and subsidizing the rent that exceeds the family wage income. In practical use:

1. If you need a loan to buy a house, you can apply for a loan (up to 300,000 yuan) at 30 times the balance in the provident fund account as long as you pay the provident fund for one year and the loan interest rate is about 30% lower than that of the commercial mortgage.

2. When building, renovating or overhauling owner-occupied housing, you can apply to the provident fund management center for withdrawal of the provident fund with relevant supporting documents and materials.

3. When buying a house loan (including commercial mortgage loan), during the repayment period, you can withdraw the provident fund to repay the loan principal and interest based on relevant information.

4. The house is leased. If the monthly rent exceeds the family wage income and affects the normal expenditure, you can apply for withdrawing the provident fund to subsidize the rent. The withdrawal and use of the provident fund must be related to housing, otherwise it cannot be withdrawn (until you resign, retire, settle abroad, etc.). ).

Can I use the provident fund to buy an apartment?

Apartment refers to a public apartment with several rooms on each floor, public toilets, bathrooms and so on. There are generally employee apartments and business apartments. Then can I use the provident fund to buy an apartment? Let's take a look with Bian Xiao. Rn 1。 Can I use the provident fund to buy an apartment? Rn can use the provident fund to buy an apartment, but it depends on the property right and land use of the apartment, such as a 70-year-old residential apartment, and the land use of the apartment is residential, so you can use the provident fund to buy an apartment. However, if it is a commercial apartment with property rights of 40 to 50 years, it is impossible to apply for a provident fund loan to buy it. Rn 2。 What should I pay attention to when buying an apartment? rn 1。 Pay attention to the property right of the house. According to the relevant national regulations, the nature of the right to use a house is the same as that of land, including residential land and industrial land. So if you want to buy an apartment, you must first look at the property rights of the apartment. Rn2。 Define the purpose of purchase. Rn should be clear about the purpose of buying an apartment before buying it. If you want to buy a house for financial management, you can choose a business apartment. The rent of this apartment is lower than that of the office building. Secondly, the security system of the apartment and the surrounding network equipment should be considered when purchasing. If you choose to live by yourself, you can choose to buy a residential apartment, because many commercial apartments have no gas and can't meet the basic needs of life. Rn3。 The housing area should be suitable for rn. When buying an apartment, you should also pay attention to the size of the apartment. If it is a financial apartment, you can choose a smaller area, such as a house of 50-80 square meters, which is easier to rent and the rent is more suitable. Rn4。 Supporting facilities around the apartment rn When buying an apartment, you should pay attention to the environment and supporting facilities around the apartment. For example, you can check whether the facilities in the apartment can meet people's basic needs. At the same time, it depends on whether the supporting facilities around the apartment are perfect, such as whether there are parks, schools and entertainment places. Rn editor's summary: can I use the provident fund to buy an apartment? Bian Xiao introduced it here, hoping to bring help to friends. Rn original title: Q&A | Can provident fund loans buy apartments?

Can I use the provident fund loan for my apartment?

Nowadays, young people demand exquisiteness in buying a house, so more and more people will choose to buy an apartment. The structure of the apartment is simple and fashionable, but when you buy it, you should worry that some apartments can't be bought with provident fund loans. Today, Bian Xiao will tell you the difference between apartments and ordinary commercial houses.

1. What kind of apartment can use provident fund loans?

1. Land is the standard for residents to live and live, but it is the style of apartment. At this time, the apartment belongs to a 70-year-old residential apartment. Generally, apartments with large property rights can be purchased with our provident fund loans. When buying, you must make sure it is a property with big property rights.

2. The apartments in normal big cities are all commercial, especially the top floors of commercial buildings. This type of apartment has a general property right of 40 years and belongs to a small property right house. This apartment can't be bought with provident fund loans, but only with commercial loans.

3. Single apartment is also a commercial real estate, and the property right is only 40 years, so it is not allowed to use provident fund loans.

Second, the advantages of choosing an apartment

1, the price of apartments is cheaper than that of houses, and the pressure of repaying loans every month will not be great.

If you don't live in an apartment, you can rent it to others. This investment method will not lose money.

3. The apartment is generally beautiful and finely decorated. You don't need to spend time decorating yourself Just take the bag to buy daily necessities, which is very in line with the fast pace of young people.

4. If it is encountered, the compensation fee for commercial land is three times that for ordinary houses.

Third, the shortcomings of choosing an apartment.

1. Most apartments are small property rights with only 40 years of property rights. After the property right expires, a renewal fee is required.

The apartment building is very crowded, and an elevator can be used by more than 20 households.

3, the cost of living is high, and the daily coal, electricity and water property fees are more expensive than normal houses.

4. the apartment can't be settled, and the children at home can't go to the surrounding schools.

The above are the basic differences between apartments and residential buildings, both of which have their own advantages and disadvantages. Generally speaking, apartments are suitable for young people. If there are many people in the family, children and the elderly, Bian Xiao does not recommend choosing an apartment building. Everyone can consider it in many ways and choose the house that suits them best.

This is the end of the introduction of whether apartments can be financed by provident fund and whether apartments can be financed by housing provident fund. I wonder if you have found the information you need?