2. At the time of buying a house, if you apply for a provident fund loan at the time of buying a house, the amount in the provident fund account cannot be moved in the formalities, and the down payment has been paid at the time of buying a house.
But buyers can use another way, that is, temporarily borrow money from others when paying the down payment, and then withdraw the amount from the provident fund account after the loan comes down.
Extended data
1. Personal housing provident fund loan: it is a preferential housing provident fund loan used by the housing provident fund management center and entrusted by commercial banks to the depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and raise funds for cooperative housing.
2. Personal housing provident fund portfolio loan: refers to the borrower applying for housing provident fund loan and commercial personal housing loan from the entrusted bank when the housing provident fund loan amount is insufficient to pay the house purchase price, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.
3. The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank. Real estate developers provide staged guarantees for borrowers and deposit a deposit according to a certain proportion of the total loan amount. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee.
The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.
4. Individual housing provident fund replacement portfolio loan: After the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers.
The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.
Baidu encyclopedia-housing accumulation fund
Baidu Encyclopedia-Regulations on the Management of Housing Provident Fund