Can Shangzhuang use provident fund loans to buy self-occupied commercial housing?
You can use provident fund loans to buy self-occupied commercial housing.
1. According to the notice of the Housing Provident Fund Network, firstly, support is given to the loan amount, and employees can apply for a loan of 1.2 million yuan when purchasing the first self-occupied commercial house. That is to say, when purchasing the first set of self-occupied commercial housing of more than 90 square meters, buyers can also apply for a provident fund loan of 6.5438+0.2 million yuan. Previously, this amount only applied to the first set of self-occupied housing of less than 90 square meters (inclusive).
2. Secondly, support should be given to the deposit time of housing provident fund. Employees who deposit the first set of self-occupied commercial housing should meet the deposit conditions of policy housing loans, that is, the time for establishing housing provident fund accounts should be more than 12 months (inclusive), and the housing provident fund should be paid in full for 6 months before applying for loans, and it is in the state of payment when applying for loans.
What procedures does Shangzhuang need to buy a self-occupied commercial house with a provident fund loan?
1. Application: The borrower shall submit a written application for housing provident fund loan to the housing provident fund management department, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal house purchase contract, stamp of the applicant and spouse, etc.
2. Preliminary review: The housing provident fund management conducts preliminary review of the applicant's materials, including the applicant's qualification, loan amount and term. After the preliminary review is passed, the management will issue a notice of collateral review and evaluation.
3. Evaluation: After receiving the notice of mortgage review and evaluation, the applicant will go to the designated evaluation agency to evaluate the value of the purchased house with the notice. If it is affordable housing, there is no need to evaluate it.
4. Review: After obtaining the appraisal report issued by the appraisal institution, the applicant will go to the provident fund management office to review the payment with the appraisal report and preliminary examination materials. If approved, the management will issue the Notice of Investigation on Entrusted Loans for Housing Provident Fund Management Guarantee.
5. Handling the guarantee formalities: The applicant shall handle the guarantee formalities by choosing the guarantee method on the basis of the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.
6. Signing a loan contract: After all the above items are passed, the applicant can sign a loan contract.