Second-hand houses cannot be mortgaged by provident fund. The "Notice" clearly stipulates that the re-mortgage business is only for borrowers who purchase commercial housing and obtain real estate licenses, and will not accept the re-mortgage business of buying second-hand houses for the time being. It is worth noting that for the original commercial loan of commercial housing, there are two consecutive overdue repayments or more than four overdue repayments within two years. ...

2. Can the provident fund be hedged halfway?

Of course.

1. If hedging repayment is handled, the borrower can only apply once a year;

2. If the borrower's spouse (or * * * the same borrower) handles the provident fund loan hedging business with others, they need to apply at the same time, and it is not allowed to handle it by stages;

3. The manager shall provide the Application Form for Hedging Loan Repayment of Housing Provident Fund Loan, and the ID card (or original marriage certificate or relationship certificate) of the borrower and his spouse.

3. Can the provident fund loan be refinanced?

Yes! You can do this when you transfer a mortgage loan: you can use a house to transfer a mortgage loan, or you can use a provident fund loan. You can use the provident fund loan after paying the provident fund for one year! There is no such loan method as transferring provident fund to mortgage!

Business Process of Housing Mortgage Loan (1) The buyer and the seller sign a housing sales contract;

(2) The buyer, the seller and the law firm sign a security guarantee contract for the sub-mortgage transaction;

(3) The buyer pays a down payment of 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price);

(4) Letter of written consent of the seller's loan bank for one-time prepayment (including the principal and interest of the owed funds and repayment account number);

(5) The buyer applies to the loan bank for a second-hand house mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

(6) The seller actually delivers the house to the buyer;

(7) Lending money and transferring money to the seller's bank after the approval of the bank;

(8) After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

(9) The buyer's loan bank will pay 30% of the down payment to the seller.

Loan is mainly based on the actual use of your loan to determine your loan method! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click on the online loan application link:

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/market/safe/report/index.html？ Flawcommender=lucyl 4。 Can I transfer to provident fund loan after mortgage?

If you have already mortgaged, you can also turn to provident fund loans.

Legal analysis

According to relevant regulations, mortgage can also become "real estate mortgage" or "housing mortgage loan", and mortgage has become a major transaction mode of commercial housing sales in today's society. Mortgage generally refers to the bank's loan to real estate, and repays the loan principal and interest in installments according to the signed contract. After the loan is paid off, the bank will return the collateral. If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met. The main condition is that individuals have paid provident fund loans for more than one year, and commercial loans need to be converted into provident fund loans. The conditions for commercial loans to be converted into provident fund loans mainly include: houses that have been repaid by individual commercial loans for 1 year and have been converted into provident fund loans for more than 1 year, which are required to be registered in the local monetary center and have formal and legal approval to handle commercial loans to be converted into provident fund loans. Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it is generally better to transfer to a provident fund loan under certain conditions, and the conditions required by different places will be somewhat different. Before handling commercial loans and provident fund loans, consult clearly before deciding whether to handle them. If the purchase city can meet the conditions of provident fund loans, apply to the provident fund lending institutions for public loans. Only when you have the conditions to use the provident fund can you transfer to the provident fund. Many people buy houses or accumulate funds after a few years. Of course, before the mortgage is paid off, you can always use the provident fund. You just need to bring all relevant information to the provident fund. When you apply for a bank provident fund loan, the bank needs to see whether you have the conditions for buying a house loan and whether you have the ability to repay the loan. If you have a bar

legal ground

"Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall implement the regulations and policies on the management of housing provident fund, formulate and adjust the specific management measures for housing provident fund, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.