Xiangtan housing provident fund loan
In order to facilitate buyers to know the latest provident fund policy, this paper sorts out and answers the hot issues that people have consulted and paid attention to recently.
First, how to use the provident fund to repay commercial loans?
I bought a commercial house and used a commercial loan. Can I use my provident fund to repay the business loan? How to return it? In addition, if this commercial house is a second suite, can I still use the provident fund to repay the business loan? What is the specific operation process?
Reply from the management center: Hello, the withdrawal of housing provident fund to repay the housing loan is handled once a year, and the amount of each withdrawal does not exceed your total repayment amount 12 months, and the accumulated withdrawal of housing provident fund does not exceed the sum of the principal and interest of the housing loan. The process of the first suite and the second suite is the same. The withdrawal procedure requires you to bring the following materials to the center (if you need to withdraw your spouse's housing provident fund and deposit it, your spouse will go with you): 1, my ID card (if you need to withdraw your spouse's housing provident fund at the same time, you should also provide your spouse's ID card and marriage certificate); 2. Housing mortgage loan contract; 3. The loan balance sheet issued by the loan bank (the balance sheet is valid within one month of printing) and the repayment passbook (if the housing loan is paid off in advance at one time, the repayment account number of the loan bank and the housing loan settlement list issued by the opening bank or the loan bank are also required); 3. UnionPay card for housing provident fund.
Can two suites and two suites use provident fund loans?
I now have a provident fund loan for the first suite, and now I want to buy a second house for my family. Can I pay off the first home loan in advance and use the provident fund loan to buy a second home? What is the loan ratio and amount?
Management center reply: Hello, after paying off the first home provident fund loan, you can apply for the second home provident fund loan. At present, the interest rate of the first-home housing provident fund loan is 4% for less than five years (including five years) and 4.5% for more than five years. The interest rate of the second-home housing provident fund loan is 10% higher than the first-home interest rate. The loan amount is comprehensively approved according to your family's current housing situation, credit status, monthly housing provident fund deposit, this house purchase situation and mortgage (pledge) situation.
3. What are the requirements for applying for provident fund loans?
Hello, I bought the provident fund this year 1 month, and I pay 200 yuan a month. Can I borrow money to buy a house?
Reply from the management center: Hello, to apply for provident fund loans, you must meet the following conditions: First, you have paid the housing provident fund continuously and normally for more than 6 months (including 6 months), and there is no record of default in the last three months; Two, the purchase, construction and overhaul of owner-occupied housing (the first or second family) is insufficient, and the time is not more than one year; Third, it has a good reputation and repayment ability; Four, there is a property mortgage or pledge recognized by the center.
Fourth, how to identify the first suite?
Hello! My parents bought a suite in my name in Changsha before. Because I work in Xiangtan, I now transfer my house to my parents, and then use the housing provident fund loan to buy a house in Xiangtan. Is it a second suite or the first time to buy a house?
Management center reply: Hello, there is a suite in your name (even if it is the property owner). If you buy a house from yourself again, it will be considered as a second family suite. Only the family (including husband and wife and underage women) does not have any housing, which is the first suite.
5. What is the down payment for the first home loan?
How is the down payment stipulated when buying the first suite and using the provident fund loan?
Management Center Reply: Hello, the down payment for purchasing the provident fund loan for the first suite needs to reach 20% below 90 square meters, and more than 30% above 90 square meters.
(The above answers were published on 20 13-09-22. Please refer to the actual situation for the current purchase policy. )
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