A: After the down payment is 20%, you can withdraw the balance of the provident fund account to supplement the down payment, and you can't directly act as the down payment.
2. Real estate does not allow provident fund loans. I applied for a commercial loan before. Can I apply for a provident fund loan again now?
A: If the building has approved the provident fund loan, and the lending bank has not yet issued the loan and agreed to cancel your commercial loan, you can re-apply for the provident fund loan if the conditions for handling the provident fund loan are met.
3. Employees have commercial loans, can they use the provident fund to repay the loan every month? Can commercial loans be converted into provident fund loans?
A: Commercial loans cannot be converted into provident fund loans. Commercial ordinary housing mortgage loan can be repaid once every 12 months, but it cannot be applied for monthly repayment.
4. How long does it take to query loan progress to generate loan indicators or authorized bank status?
A: It will take some time for the handling bank to accept the approval, and then it will be sent to the housing management department for mortgage registration, and the loans will be issued in an orderly manner according to the time when the mortgage registration of the housing management department is completed. When the loan is issued, you will also receive a text message to remind you of the loan.
5. The original housing provident fund was paid to the housing provident fund management center in other places, and now I work in Quanzhou, and the provident fund is also paid normally. Can I apply for a housing provident fund loan to buy a house?
A: Yes, if the provident fund paid in other places is transferred to this city, and the deposit of housing provident fund in the two places has not been interrupted, the loan can only be processed after the account status is normal. This situation requires a payment certificate issued by the foreign provident fund management center.