how to withdraw the housing accumulation fund for decoration
1. Article 24 of the Regulations on the Management of Housing Accumulation Fund stipulates and limits that the housing accumulation fund can be withdrawn from the four acts of buying, building, renovating and overhauling the house. Decoration, decoration, medium repair, minor repair and other acts can not be withdrawn.
2. Many people think that house decoration should be counted as house "overhaul". In fact, the provident fund management department has a specific definition of house overhaul. The so-called house overhaul refers to the overhaul project that needs to affect or dismantle some main components, but does not need to dismantle them all.
3. The scope of the project includes the main structural parts of the house, such as foundation, wall, column, beam, floor, roof, etc., and the damage will affect the living safety of the owner. The one-time cost of overhaul project is more than 25% of the new construction cost of similar structure of the building. Overhaul works are mainly suitable for severely damaged houses. Obviously, house decoration does not meet the conditions of "overhaul".
4. You can't apply for a new provident fund housing loan until the provident fund decoration loan has been paid off. Owners who need to buy houses in the short term should not easily make provident fund decoration loans;
5. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After the loan is obtained, don't take all the amount in the account, and leave a repayment limit of at least two months to avoid default in repayment.
what should be paid attention to in the renovation of provident fund loans
1. If you have applied for a mortgage loan for commercial housing and have not settled it, you can also apply for a provident fund loan for house renovation, but in general, the sum of the amount of the loan applied for and the original mortgage loan cannot exceed 7% of the total house price, and the specific standards are implemented according to the actual situation in various places. For example, in the case of Miss Ge in the previous case, the maximum amount should be 45, (35×7%-2=4.5).
2. The advantage of provident fund decoration loan is not only that it is convenient and fast to handle, but also that the interest rate is the same as that of provident fund housing loan, which is more than 1 percentage point lower than that of commercial loan, so it is more cost-effective to save interest and the repayment method is free and flexible.
3. There will be related expenses such as evaluation fee, handling fee and professional guarantee fee in the process of handling provident fund renovation loan, so you must be prepared before handling it.
4. At present, the loan limit for renovation of provident fund is generally loanable 1 yuan/_, which may be relaxed to 2, yuan/_ again in the future. And once it is opened to 2 yuan/_, the processing cost will also increase relatively;
provident fund loans can be used to decorate houses, but many details need to be considered when lending. The above is what Xiaobian introduced for everyone, how to extract provident fund and provident fund loan for decoration, and what should be paid attention to? It's over here.