What are the requirements for applying for provident fund loans? 1, xx resident account or reasonable residence permit.
2. Only employees who participate in the housing provident fund system have the opportunity to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
3. Those who participate in the rules and regulations of housing provident fund must also meet the following conditions when applying for housing provident fund loans: that is, the time for continuous full deposit of housing provident fund before applying for loans shall not be less than 6 months, and some big cities require that it shall not be less than 12 months.
4. Purchase, build, dismantle and repair ordinary houses (excluding commercial and residential apartments) in xx area, and have relevant procedures, certificates and delivery requirements, and raise funds by itself.
5. Have full capacity for civil conduct, stable working income, the ability to repay the loan principal and a good credit report.
6. There are no outstanding housing provident fund loans. In addition, it should be noted that if the other half submits a housing provident fund loan, neither party can get a housing provident fund loan until the loan principal is paid off.
7. Not reaching the statutory retirement age (if it is otherwise stipulated in China that it can be extended, it shall be implemented in accordance with its provisions, but the maximum shall not exceed 65 years of age).
8 provident fund loans shall not exceed 30 years. The loan periods for applying for portfolio loans, provident fund loans and commercial housing loans must be the same.
How to choose a parking space? 1. Don't choose parking spaces facing slopes and turns. If you park in such a parking space, the vehicle can easily be slipped behind the left and right slopes, and the owner who is not paying attention after turning will rub it.
2. No parking space near the temporary parking space was selected. Cars are irregularly placed on both sides of this parking space. In case your car is scratched, it will be more difficult to find the perpetrator.
3. You can choose the parking space under the surveillance camera, which is more convenient. In addition, it is easier to investigate the responsibility when encountering an accident.
4. You can choose the parking space near the stairs elevator, which is more convenient to go home. There are many people who usually walk, and you can also avoid being stolen and scraping your car.
You can choose the parking space near the post. The basis is that the column is close to the front or rear of the car, so the indoor space on the side of the column will be richer and it will be more convenient to get on the bus. If the post is in the middle of the parking space, don't choose it.
Frequently asked questions about buying a parking space: establishing the property right of parking space and choosing parking space means that buyers should carefully check whether the parking space is owned by the development company, that is, whether the real estate developer has the right to use it. If the purchased parking space and parking garage can't handle the property right certificate, it means that the parking space and parking garage can't be sold. In general, the following parking spaces are not recommended:
(1) Community Public Academy
The community public learning center does not belong to the total practical area. Some developers randomly draw a line on the public open space to sell to the owners, while others rent it on a monthly basis. In fact, because the land use right certificate of the community belongs to all owners, real estate developers have no right to sell open above-ground parking spaces.
(2) There is no contract for the underground garage.
If the total construction area of the underground garage is not evenly divided, and the real estate agent independently obtains the garage property right, the real estate agent can sell the property right to the purchaser, but the underground parking lot is only pre-purchased for the subscribers of the commercial and residential buildings in the community. In the sales contract, the real estate agent must declare that the property right of the underground parking space in the community belongs to independent transfer and will not be sold with the house. If there is no similar text description, the underground garage should also be owned by the community owner, and its income should also be owned by the community owner.
(3) Underground garage and common parts.
If the total area of the underground garage has been shared equally by the owners as the common area of the house, then the real estate developer has no right to sell it. That is to say, in the case of selling a house, the area of the underground garage has been allocated to each owner, and the money is collected in proportion, and then the underground garage is sold to the owner, which is repeated collection.