Calculate how much it will cost to decorate your home. At present, most enterprises in our country pay housing provident fund for employees, so that employees can apply for housing provident fund loans when buying a house, which reduces the pressure on people to buy a house. So how many years can Guangzhou housing provident fund borrow to buy a house? The following article will introduce you. How many years can Guangzhou's housing provident fund borrow to buy a house? Guangzhou registered employees need to continuously deposit the housing accumulation fund 1 year or more before they can apply for a loan to buy a house in Guangzhou. Employees with non-Guangzhou household registration need to pay the housing accumulation fund continuously for more than 2 years (inclusive) before they can apply for a loan to buy a house. When applying for housing provident fund loans, you need to bring the applicant's ID card, income certificate, purchase contract and other relevant documents to the provident fund center for loan procedures. Who can't apply for housing provident fund loans 1, and employees who use fraudulent means to withdraw the balance of housing provident fund accounts need to return it in full for five years before they can apply for housing provident fund loans. 2 applicants who use false information to defraud housing provident fund loans may not apply for housing provident fund loans within 5 years. 3. If the credit records of the People's Bank of China show that the housing loans overdue has been over 6 periods (inclusive), the applicant needs to wait for the loan to be settled for 5 years before applying for the housing provident fund loan. 4. If the credit record of the applicant in the People's Bank of China shows that the credit card has been overdue for more than 6 periods (inclusive), the applicant can apply for a housing provident fund loan only after the overdue amount has been paid off for 2 years. 5. If the credit record of the applicant in the People's Bank of China shows that the credit card is in a bad debt, frozen or stopped payment state, it is necessary to cancel the card before applying for the housing provident fund loan. 6. If the credit record of the People's Bank of China shows that the loan is classified into concern category, sub-category, doubtful category or loss category, it is necessary to wait until the loan status becomes normal before applying for a housing provident fund loan. The above is an introduction about how many years Guangzhou housing provident fund can borrow to buy a house. I hope I can have a certain understanding of the housing provident fund policy, so that everyone can use the provident fund reasonably and buy the house they like. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.
2. Can Guangdong Housing Provident Fund borrow money to buy a house?
Commercial loans have a high interest rate ~ ~ ~ and can be converted into provident fund loans, but they cannot be directly converted into commercial loans. It requires the borrower to get the consent of the lending bank. Because the loan contract between the borrower and the commercial bank is protected by law, neither party may terminate it at will. If the undertaking bank agrees to the change, the provident fund center also agrees in principle that the borrower will convert the commercial loan into a provident fund loan, but the procedure is more complicated. Go to the provident fund management center to get the application form, go to the original loan bank to check the loan balance, then go to the provident fund management center for approval, then go to the home purchase guarantee company to go through the formalities, then go to the original loan bank to return the loan, and then go to the bank designated by the provident fund management center to go through the provident fund loan formalities, so you can repay the loan together, but the provident fund in your is too small ~ ~ How big is the house you bought?
3. Can Guangdong Housing Provident Fund borrow money to buy a house?
As long as you deposit the provident fund and make regular loans. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Compared with commercial housing, the interest rate is lower, the repayment method is flexible and cumbersome, and the approval time is long. At present, Guangzhou personal provident fund can borrow up to 500,000 yuan, and both husband and wife can buy up to 800,000 yuan.
4. Can Guangzhou Provident Fund buy a house in Foshan?
Guangzhou's provident fund can never buy a house in Foshan, and the provident fund bought in which city can only be used for local house purchase, decoration and renting. So be sure to understand the policy before buying a house to avoid a lot of trouble.