Self-built houses can be financed by provident fund loans. The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund according to regulations). It can be seen that employees who build their own houses can apply for housing provident fund loans. Materials required for housing extraction due to construction and decoration: 1, original construction project planning permit (one copy) 2, original land use right certificate 3, original project budget book 4, original housing information registration certificate (one copy) of the housing management department where the husband and wife and minor children are required to provide the deposit place and the property. 5. For the second suite, the original household registration book (one copy) 6. For other places. Article 13 of the Interim Measures for Personal Housing Entrusted Loan of Housing Provident Fund stipulates that the borrower of housing provident fund can repay the loan in advance, but it needs to notify the client in writing in advance, and then notify the trustee and the borrower to handle the relevant procedures after the consent of the client. The interest charged according to the interest rate agreed in the original contract will not be adjusted, and the loan principal returned by the borrower in advance will be charged according to its actual use time and current execution interest rate.
How to borrow provident fund for self-built houses?
1, extraction certification materials (original) ① land use approval documents of the land management department; (2) the planning department planning site approval documents; (3) the approval document of the construction management department; (4) Pay the house payment or purchase the building materials invoice. Identification materials (original) ① When employees withdraw housing provident fund, they should show their original ID card; (2) If it is necessary to withdraw the housing accumulation fund of one spouse at the same time, the original ID cards and marriage certificates of both spouses shall be presented, which can be handled by one spouse; (3) Entrusting others to handle it: the trustee is the direct blood relative of the principal, and it is necessary to provide the ID cards of the principal and the trustee, the household registration book or the household registration certificate issued by the public security organ and other materials (originals and copies) that can prove the kinship between the principal and the trustee, and the power of attorney issued by the principal; If the trustee is not an immediate relative of the principal, the power of attorney shall be notarized by a notary office. Note: lineal blood relatives refer to biological relationships. Including their own elders (parents, grandparents, grandparents and more) and their own descendants (children, grandchildren, grandchildren and more immediate descendants); (4) If the unit is an employee agent, it shall present the letter of introduction of the unit, the original and photocopy of the ID card of the unit manager and the photocopy of the employee ID card; ⑤ The drawer's joint housing provident fund card shall be presented. Employees without a joint housing provident fund card shall provide the "Chengdu Housing Provident Fund Extraction Certificate" signed by their units in duplicate and the drawer's bank savings account passbook (card). Custody workers should issue the Notice of Chengdu Housing Provident Fund Transfer. After the examination and approval documents are approved, the withdrawal application time is 12 months 1 time, and the withdrawal amount (in RMB 100) shall not exceed the actual deposit amount (subject to the amount specified in the invoice of the purchase price or the purchase of building materials and shall not exceed the balance of the employee's and spouse's provident fund account at the time of application). The scope of the extractor, the owner of the house and his spouse. , extraction times, one-time extraction, and no extraction in future years. Time limit for handling the provident fund center shall, within 3 working days from the date of receiving the employee's application, make a decision on whether to approve or disapprove the withdrawal; If it is not allowed to withdraw after examination, it shall inform the reason. Related Tips ① Workers' families have a variety of housing consumption behaviors in a natural year, such as buying, building, rebuilding, overhauling their own houses and repaying the principal and interest of home purchase loans, and they can only choose one house for one of the housing consumption behaviors and apply for housing accumulation fund once. Workers' families refer to couples and children under the age of 18. (2) If an employee has applied for a housing provident fund loan after purchasing the same set of housing, he can no longer withdraw the housing provident fund to pay the down payment at the same time, but he can withdraw the housing provident fund to repay the principal and interest of the housing provident fund loan with relevant supporting materials after the loan repayment is over 12 months. (3) Employees who do not own the house and are not the spouses of the owner of the house cannot apply for withdrawing the housing provident fund to pay the house purchase price or repay the principal and interest of the house purchase loan. (4) Deposit the employee's housing consumption and apply for housing accumulation fund. The housing address should be in the domicile or work place of the employee and spouse. ⑤ If the personal information of the laborer is incorrect, it must be corrected before it can be handled. 1. Policy basis: Regulations on the Management of Housing Provident Fund in the State Council and Administrative Measures on the Withdrawal of Housing Provident Fund in Chengdu issued by Chengdu Housing Provident Fund Management Committee; ② If the materials are incomplete, the center will inform all the materials that should be provided at one time; ③ Chengdu Housing Provident Fund Management Center does not charge any fees; (4) All policy implementation standards involved in this Guide shall be based on the implementation time of each document; ⑤ Matters not covered shall be explained by Chengdu Housing Provident Fund Management Center. ⑥ Only applicable to new housing consumption and new housing loans issued after the promulgation and implementation of this policy (1 [2065438]) (May 4th, 20th15th).
How to borrow self-built housing provident fund loans?
Not all self-built houses are eligible for provident fund loans. Self-built houses used for loans must have not only real estate licenses, but also land use certificates. Only when the two certificates are complete will the bank give the borrower a loan.
Self-built housing provident fund loan process:
1. Submit a loan application. Loan officer review 3. Approved by the management. Apply for mortgage guarantee. Sign the contract 6. Sign IOUs and issue loans.
Can I build my own house with a provident fund loan?
Rural self-built houses can be loaned by housing provident fund. Requirements for applying for provident fund loans: 1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year; 2. Have a stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. There are legal purchase (construction, renovation, overhaul) housing contracts, agreements and supporting documents approved by relevant departments; 4. When buying a house, you should first pay the purchase price of not less than the specified proportion.
legal ground
Regulations on the administration of housing provident fund
Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad 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 the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Can I use the housing provident fund loan to build my own house?
Of course.
Scope of application of housing provident fund
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the 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.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(five) the housing provident fund is the employee's personal housing savings fund, which is specially used for housing consumption expenditure.