Now many people in the city hold rural hukou. Because I am stable in the city, I also want to buy my own house. Buying a house with a provident fund loan is a very good welfare policy and can save a lot of money.
So can rural hukou apply for provident fund loans to buy a house? What is the maximum loan? Let's take a look with Bian Xiao.
Can rural hukou apply for provident fund loans to buy a house?
Rural hukou can apply for provident fund loans to buy a house.
The housing accumulation fund system is actually a housing security system, and there is no requirement for the type of household registration. This is a form of monetization of housing distribution and an important housing social security system stipulated by national laws. You can apply for a provident fund loan to buy a house by paying the provident fund in full and on time.
The longest loan for purchasing a house from the provident fund shall not exceed 30 years, and the service life specified by the state shall not exceed if there is surplus land.
Within the specified housing loan period, the loan period can be extended to 5 years after the borrower's statutory retirement age.
What is the maximum amount of provident fund loans to buy a house?
Changsha, Hunan 1
The maximum amount of housing provident fund loans in Changsha increased from 600,000 yuan to 700,000 yuan, and the maximum amount of housing provident fund loans for three-child families increased to 800,000 yuan.
2. Haimen District, Nantong, Jiangsu Province
If the first set of ordinary commodity housing applies for provident fund loans, the loan amount will be relaxed to twice the original loanable amount, and the maximum loan amount will not exceed 400,000 yuan/person and 800,000 yuan/household;
If the second set of ordinary commodity housing applies for provident fund loans, the maximum loan amount will be adjusted to 400,000 yuan/person and 800,000 yuan/household;
Employees with master's degrees or senior titles apply for provident fund loans, and the maximum loan amount is adjusted to 800,000 yuan/person and 1.6 million yuan/household.
3. Nanchang in Jiangxi Province
According to the current maximum amount of housing provident fund loans (600,000 yuan for urban workers and 500,000 yuan for urban workers; Nanchang County pays 500,000 yuan for employees and 400,000 yuan for employees; Jinxian County, 400,000 yuan for dual employees and 300,000 yuan for single employees) was raised to 800,000 yuan for dual employees and 700,000 yuan for single employees.
4. Lishui, Zhejiang
Individuals who have continuously paid housing provident fund for six months or more can apply for personal provident fund loans. The maximum amount of employees who pay double is adjusted from 500,000 yuan to 700,000 yuan, and the maximum amount of employees who pay single is adjusted from 250,000 yuan to 350,000 yuan.
5. Linyi, Shandong Province
If both husband and wife normally pay the housing provident fund in full, the upper limit of the loan for purchasing self-occupied housing will be raised from the current 500,000 yuan to 600,000 yuan.
6. Lanzhou, Gansu
The maximum amount of housing provident fund personal housing loans has been raised from 600,000 yuan to 700,000 yuan for married employees; Single employees pay 500 thousand yuan to 600 thousand yuan.
How to pay the provident fund for rural hukou?
The first situation is to pay through the enterprise where you work.
All employees of the unit within the prescribed scope shall pay the housing provident fund. Units have set up individual housing provident fund accounts for rural registered workers, and must pay housing provident fund for rural registered workers in accordance with the regulations on the management of housing provident fund.
Another situation is that friends with rural hukou pay their own provident fund.
However, many people are not positive about this. On the one hand, the wages of migrant workers are not high, and on the other hand, the awareness of self-payment is not popular.
To sum up, it is a policy interpretation of rural hukou buying a house in a city and applying for provident fund loans. This year, the provident fund policy has been adjusted many times. In fact, there is no requirement for the type of account of the lender for provident fund loans. Many friends with rural hukou went to local universities and then took part in jobs. Enterprises have paid the provident fund, and they can also apply for buying a house with the provident fund.
For rural hukou who want to buy a house in the city, provident fund loan is very favorable, which not only has low loan interest rate, high quota and long term, but also has less restrictions on the age of the house and the age of the lender, and there is no penalty for repaying the loan in advance.
Therefore, as long as it meets the policy requirements of buying a house with provident fund loans, rural hukou can use provident fund loans. What else do you want to know about the policy of buying a house with provident fund loans? Welcome everyone to comment and share.