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The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund according to regulations). It can be seen that employees who build their own houses can apply for housing provident fund loans.

Workers who build self-occupied housing and apply for housing provident fund loans must meet the following two conditions:

(a) to provide relevant certification materials for the construction of self-occupied housing;

(two) with more than 30% of the self-occupied housing construction funds.

Article 13 of the Interim Measures for Personal Housing Entrusted Loan of Housing Provident Fund stipulates that the borrower of housing provident fund can repay the loan in advance, but it needs to notify the client in writing in advance, and then notify the trustee and the borrower to handle the relevant procedures after the consent of the client. The interest charged according to the interest rate agreed in the original contract will not be adjusted, and the loan principal returned by the borrower in advance will be charged according to its actual use time and current execution interest rate.

2. Can I apply for provident fund loans for self-built houses?

Hello, self-built houses on collective land generally cannot apply for provident fund loans. Only building houses on state-owned land can meet the loan conditions:

The application materials are as follows:

1. Original construction project planning permit (one copy)

2. Original land use right certificate

3, the original project budget

4. Provide the original "Certificate of Housing Information Registration" of the housing management department where the provident fund is deposited (one copy).

3. Can rural self-built houses apply for provident fund loans, and how much can they borrow?

You can apply. The specific amount is confirmed according to local bank regulations.

Self-built housing loan conditions:

1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current deposit is normal.

2. Build self-occupied housing within three years.

3. Both husband and wife have no outstanding loans in the provident fund or pledge the housing provident fund for others.

4. Both husband and wife have a good reputation (no bad records for 3 consecutive periods, with a total of more than 6 periods).

5. Provide the guarantee approved by the management center.

6. A family can have two housing provident fund loans at most.

4. Can rural self-built houses use provident fund loans?

Rural self-built houses can use provident fund loans. The conditions are as follows: 1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current deposit is normal; 2. Building self-occupied housing within three years; 3, the husband and wife in the provident fund loans have not been paid off or provide housing provident fund pledge for others; 4. Both husband and wife have a good reputation; 5. Provide the guarantee approved by the management center; 6. A family can have two housing provident fund loans at most. For provident fund loans, it is necessary to provide the construction project planning permit or corresponding normative text of the construction planning department at or above the town level, other complete houses, including houses owned by third parties, the House Price Confirmation issued by mortgage guarantee institutions, identity cards, relationship certificates issued by units, provident fund cards and other materials. When withdrawing the employee housing provident fund, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.