At present, the repayment of provident fund is only applicable to the mortgage loan for house purchase, which is a consumer loan and can be repaid without provident fund. You can withdraw the provident fund in the name of decoration (if you need a contract, you can find a decoration company to sign it).

Mortgage characteristics:

(1) The house mortgage is the guarantee of the original creditor-debtor relationship, and it is the master contract, and the house mortgage is the slave contract. It is based on the legal and effective existence of the original master contract and cannot exist independently.

(2) The mortgaged house can be kept by the mortgagee or the mortgagor, generally by the mortgagor. The custodian shall properly keep the mortgaged house.

Registration materials:

There is no charge for mortgage registration. This business is accepted in written form and needs to go through four stages: acceptance, examination, decision and notification. To handle this business, the following application materials shall be submitted:

1, application;

2. Mortgage contract;

3. If the house ownership is mortgaged, submit the "House Ownership Certificate" and "State-owned Land Use Certificate"; If the mortgage is set for the project under construction, the construction project planning permit and building construction permits shall also be submitted.

If the pre-sale of commercial housing is mortgaged, the pre-sale contract of commercial housing registered for pre-sale shall be submitted; If the house owned by * * * is mortgaged, the house ownership certificate of * * * and the certificate that * * * agrees to mortgage shall be submitted.

Refer to the above content: Baidu Encyclopedia-House Mortgage

Can the house mortgage be repaid with provident fund?

Can the house mortgage be repaid with provident fund?

Mortgage to buy a house can't take the provident fund.

Housing mortgage loan repayment can take the form of provident fund, and the relevant requirements are as follows:

1. If you buy a self-occupied house, you can provide a purchase contract, agreement or other proof, and you can get a provident fund;

2. If you buy a self-occupied house, you can provide approval materials or other supporting materials from the competent departments of construction and land, and you can get the provident fund.

Workers in any of the following circumstances may apply for withdrawal of housing provident fund.

(a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof;

(two) the purchase of owner-occupied housing, provide the approval materials or other certification materials of the competent department of construction and land.

(three) renovation, overhaul occupied housing, provide the approval materials of the planning department or other supporting materials;

(4) certificates of retirement and resignation;

(five) completely lose the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;

(six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment;

(seven) to settle abroad, provide exit certificates;

(eight) the account moved out of the province, to provide proof of migration;

(nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract;

(ten) to pay the rent, provide proof of wage income and housing lease contract;

(eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations;

(twelve) other circumstances required by the housing provident fund management center.

Can the house mortgage be repaid with provident fund?

House prices are high, and many people buy houses because they don't have enough money. At this time, mortgage loan is a good choice. Then the question is, can the house mortgage be repaid with the provident fund? How much mortgage can I borrow? Don't worry, if you are interested in this, you might as well come and learn about it with me!

Can the house mortgage be repaid with provident fund?

House mortgage can not be repaid with provident fund, but can only be used to buy a house. House mortgage is used for consumption. According to Article 24 of the Regulations on Housing Provident Fund Management, the balance in the provident fund account can only be withdrawn under any of the following circumstances: 1. Purchase, renovation and overhaul of owner-occupied housing; 2. retirees; 3. Completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the loan.

How much can a house mortgage loan borrow?

1. Generally, the amount of mortgage loan is different for different types of mortgaged properties. For example, the mortgage of commercial housing can reach 70%; Shops and office buildings can be mortgaged up to 60%, and industrial buildings can be mortgaged up to 50%.

2. In addition, there are many factors that affect the mortgage loan amount of a house. For example, the evaluation of real estate is the primary factor. Among them, the factors that affect the evaluation value are: the type of real estate, geographical location, construction year and floor, etc.

3. It also has a lot to do with the assets under the borrower's name. If there is only one property in your name, you can only borrow 1/2 of real estate assessment value at most. If you have multiple properties in your name, you can get a loan worth 70%-80% in real estate assessment.

Remember: personal income will also be taken into account by banks. If the personal income is low, the bank will decide the loan amount according to whether the borrower has the repayment ability.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of whether the house mortgage loan can be repaid with the provident fund and how much the house mortgage loan can borrow. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Can housing mortgage be repaid with provident fund?

Of course.

Application conditions:

1. has legal and valid identification;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4 purchase, construction, renovation and overhaul of owner-occupied housing;

5 with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.

Essence:

Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans. Unlike second-hand housing loans and first-hand housing loans, customers already own real estate, not about to own it. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Do I have to pay off the provident fund loan when applying for a real estate mortgage loan?

Mortgage cannot be repaid directly with provident fund. If it is a mortgage loan, it can be transferred to a provident fund loan in the past, but it was later stopped. At present, only a few local businesses can be transferred, and none of the major national commercial banks can. If there is an outstanding housing loan, you can withdraw the provident fund, usually in June 165438+ 10 every year, and then the unit can issue a certificate.

Can the provident fund repay the mortgage? Let's stop here.