However, temporary id card alone is not allowed to apply for provident fund loans, because the ID card is only one of the proof materials needed for provident fund loans, and other valid proof materials are needed before you can apply. Specific to the actual provisions of the handling bank shall prevail.
What should I pay attention to when using provident fund loans to buy a house?
1. Pay attention to the conditions of provident fund loans: at present, most areas do not support the use of provident fund loans in different places. If you are going to buy a house in a different place, you must pay attention to this. In addition, before applying for provident fund loans, it is best for buyers to find out whether they meet the conditions for provident fund loans. Although the requirements vary from place to place, they are generally related to the balance of the provident fund account and the time of deposit. Please consult the local provident fund management center in detail before buying a house.
2. Pay attention to the loan amount of the provident fund: the loan amount must be paid attention to. Usually, the amount of provident fund loan is calculated by multiplying the balance of provident fund account by a certain multiple, but the number of borrowers, lenders and other factors are slightly different. If you buy a second-hand house, the loan amount is also related to the housing evaluation price.
3. Don't use the provident fund before the loan: Some people rent a house before buying a house, and the provident fund can be used to pay the rent. After planning to buy a house, calculate the time to stop withdrawing the provident fund in advance. The loan amount of the provident fund is directly related to the balance in the personal provident fund account. If the balance of provident fund in individual accounts is not much, it will affect their loan amount.