Buying a house between husband and wife is regarded as a whole. When buying a house, if both husband and wife apply for provident fund loans, both husband and wife can increase the loan amount. Then, if only one husband and wife has provident fund, how much can they borrow? If only one of the husband and wife has provident fund, the minimum value calculated directly according to the balance stored in the housing provident fund account, the maximum loan limit and the multiple of the loan ratio is the maximum loanable amount of the borrower. 1. The maximum loanable amount calculated according to the balance of the housing provident fund account is: (the balance of the provident fund account, the monthly contribution of the provident fund ×2× the number of statutory retirement months )× 2; 2. According to the loanable amount calculated by the maximum loan amount, the maximum loan amount is 500,000 yuan for one person to apply for housing provident fund loans, and 800,000 yuan for two or more people to purchase the same house to apply for housing provident fund loans. Specifically, the maximum amount stipulated by this Municipality shall prevail.

Matters needing attention for couples to buy a house 1. Only when the documents are complete can you handle the real estate * * * Some related procedures need to bring the marriage certificate, ID card, household registration book and house purchase contract of both husband and wife. Only when all the documents are brought can you successfully handle the relevant registration procedures. In addition, if both parties want to apply for a mortgage together, they need to provide proof of income of both husband and wife. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed. 2. Both parties must be present at the property formalities (1). The signing parties attended in person. In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, which require both husband and wife to be present at the same time. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person. If one party cannot attend, it must go through the formalities of notarization and authorization. (2) In addition to signing the real estate sales contract, both parties shall be present in person when applying for mortgage and handling the transfer formalities. When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to examine the qualifications of both of them at the same time and must sign at the same time when handling relevant procedures. (3) When handling the transfer formalities, in principle, it is required to be present at the same time, because according to the regulations, whether the property purchased by husband and wife * * * is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the real estate license. Therefore, both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters. 3. Prospective couples need to reach an agreement on the share of real estate. Under normal circumstances, if both husband and wife have obtained a marriage certificate, then the real estate is generally equivalent. However, in real life, many prospective couples will buy a new house before marriage, so it is impossible for both parties to buy a house in the same property without a marriage certificate. Then at this time, the purchase of real estate should be based on the capital contribution of both parties, which requires the prospective husband and wife to agree on their share before going through the relevant procedures to avoid problems in the future. 4. Registration of changes in housing property rights Some couples agree to buy a house together. Because the man is rich, the name of the man is written on the real estate license. But after marriage, I hope that the woman will ask the family for some funds to repay the mortgage in advance. In this case, it should be noted that the ownership of real estate stipulated by Chinese law is subject to registration. If there is no agreement between the repayment parties in the relevant contract, the ownership of the house still belongs to the man because the name of the man is written on the real estate license.

Second, the provident fund of two couples can provide a suite, but only one person is eligible to buy a house?

You can use the husband and wife's provident fund for a house. A person is qualified to buy a house, and the house has gone through all the formalities. After getting the household registration book and deed tax ticket, both husband and wife can withdraw the provident fund, and either party can withdraw it first, but the party without name in the household registration book must also provide a marriage certificate.

The repayment account of the provident fund loan and the provident fund account are not the same account, so it is necessary to withdraw the provident fund and deposit it in the repayment account.

3. Do couples have housing provident fund to get loans?

Where is that man?

4. Do couples have housing provident fund to get loans?

As long as one party meets the requirements, it can apply for the provident fund.

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) The mortgaged property used for guarantee, the list of pledged property, the ownership certificate and the appraisal certificate of the mortgaged property approved by the authorized person;

(6) The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower and lender sign a tripartite contract.

(seven) other information required by the provident fund center.

1. The bank accepts and reviews the loan application with complete information in time and submits it to the provident fund center in time.

2, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

3. The bank signs a loan with the bank according to the approval result of the provident fund center, and sends the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the administrative department, and the mortgage contract or agreement shall be signed by both husband and wife. Where the collateral is pledged by securities, it shall be kept by the borrower's center.