Retired workers who have paid housing provident fund during their employment can apply for housing provident fund loans. However, there is an age limit for loans. Generally, you can't get a loan at the age of 70, and the provident fund loan doesn't stipulate that you can't get a loan for a few years after retirement.

Application conditions

1, the identity is legal and valid.

2. Have full capacity for civil conduct.

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan.

4, purchase, construction, renovation, overhaul occupied housing

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents.

6. Provide customer-recognized guarantee.

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans; Materials to be prepared: 1. A copy of the applicant's ID card; 2. A copy of the applicant's household registration book (home page, personal page and change page); 3. Copy of the down payment invoice for house purchase; 4. Original and photocopy of the commercial housing sales contract; 5. Original and photocopy of the house ownership certificate; 6. Original loan application form. Handling housing provident fund loan procedures: 1. The loan applicant fills in the application form; 2. The applicant submits the application materials to the Center; 3. Confirm the customer's loan qualification through the preliminary examination of the center; 4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal; 5. Fill in the loan documents; 6. Submit the custody contract and loan contract to the developer and guarantee unit for seal; 7. Buy insurance

8. Submit the materials to the provident fund management center for review.

9. Send the information to the center for final review.

10. Send the information to the loan bank.

1 1. Store the information returned by the bank.

12. Repay on time according to the loan documents.

Can I use provident fund loans for retirement? What are the conditions for a retirement provident fund loan?

According to the relevant regulations, you can still apply for provident fund loans after retirement, but the lending institutions will appropriately reduce the loan amount and shorten the loan period out of consideration of risks. Moreover, if the borrower used the provident fund loan to buy a house before, it needs to wait until it is paid off before applying for the provident fund loan.

The application conditions for provident fund loans are as follows:

1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans. Workers who have no housing provident fund, the amount of housing provident fund does not meet the requirements, and the housing provident fund has been used up may not apply for provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

According to relevant regulations, the longest term of provident fund loans shall not exceed 5 years after the borrower retires. For example, if you retire at the age of 60, you can only borrow money until the borrower is 65. On the other hand, there is no limit on the minimum age of borrowers, but they must meet the conditions of formal employment and normal continuous payment of provident fund for more than 6 months.

Provident fund loans are generally limited by the lender's age and loan life, and the male lender's age is less than or equal to 65; Women should be less than or equal to 60 years old during the loan period.

Can the provident fund be loaned after retirement?

Retired workers can use provident fund loans, but they cannot be over 70 years old. For example, they are now 60, and the provident fund loan can only be used for 10 years. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Provident fund borrowers must meet the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9. Meet other conditions stipulated by the client.

Can I still get a provident fund loan after retirement?

Legal analysis: Retired employees who have paid provident fund during their working life can still apply for provident fund loans after retirement. National management and municipal management can be done! Even if you withdraw the balance of the provident fund account after retirement, it will not affect your application for provident fund loans, but the borrower is required to be no older than 70 years old. According to the regulations, the longest term of provident fund loans shall not exceed 5 years after the borrower retires. For example, if you retire at the age of 60, you can only borrow money until the borrower is 65. On the other hand, there is no limit on the minimum age of borrowers, but they must meet the conditions of formal employment and normal continuous payment of provident fund for more than 6 months. Provident fund loans are generally limited by the lender's age and loan period, that is, male: the lender's age should be less than or equal to 65 during the loan period; Female: The building age should be less than or equal to 60 during the loan period. _ You can't apply for a housing provident fund loan after retirement, because the loan period can't exceed five years after your retirement age.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. 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; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

The introduction of whether the provident fund can be loaned after retirement and whether the provident fund can be loaned to buy a house after retirement ends here. I wonder if you have found the information you need?