Provident fund loans up to

That is, the first suite and the second suite, otherwise it is impossible. The third suite applies for a provident fund loan, and the city where the provident fund is located does not support the third suite loan. It should be noted that the provident fund loan can only be used for one house at the same time, that is to say, if the first two suites have to wait for the first suite provident fund loan.

The loan conditions are: the unit has signed a 1 year labor contract for three consecutive years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Only employees who participate in the housing provident fund system are eligible 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.

Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because the abnormal behavior of the provident fund is intermittent, it shows that its income is unstable and it is easy to generate risks after issuing loans.

One spouse has applied for a housing provident fund loan, and can't get a housing provident fund loan before it expires. Because the housing provident fund loan is a kind of "housing" to meet the financial support of employees.

When applying for a housing provident fund loan, the loan applicant must have a stable economic income and the ability to repay the loan, as well as other debts that may affect the repayment ability of the housing provident fund loan. It is against the safe operation of housing provident fund to give housing provident fund when on duty.

The longest term of provident fund loans shall not exceed three periods and the term of commercial housing loans.

Second, how many suites can I buy with provident fund loans?

Calculate how much it will cost to decorate your home. Although the state has been controlling housing prices, there is still no way to resist the rise in housing prices. Such a house price is very difficult for most people who buy a house. At this time, if the housing provident fund is paid, the loan interest rate will be much lower. The following small series will introduce you to how many suites you can buy with provident fund loans. How many suites can I buy with provident fund loans? You can't borrow money to buy two houses at the same time. After paying off the provident fund loan for the first house, the buyers can still use the housing provident fund for the second house. The first set of housing provident fund loans have not been paid off, and commercial loans can only be chosen to buy second and above houses. What's the new policy for provident fund to buy a house? 1. The loan amount is limited. Not only is the loan amount limited, but the amount cannot exceed the total house price. Here's an example: if your house needs a loan of 2 million yuan, and the provident fund loan in your city is only 6.5438+0 million (the amount of provident fund loans in different cities is different), then you only need a provident fund loan of 6.5438+0 million. 2, can not withdraw cash to pay the down payment Many young people in the workplace think that the money they pay for the provident fund can be used to pay the down payment. In fact, the provident fund can't be used for down payment, so at this time you can only withdraw cash with the down payment certificate after paying off the loan. 3. Bad credit information affects loans. Whether it is a provident fund loan or a commercial loan, personal credit information is also an important reference. If your credit information is not good, the provident fund center may think that you have not repaid the loan, so of course it is easy to reject your application! 4. Not for the whole family. If the children are unmarried, they can use their parents' provident fund loans. However, if the child is married, he can no longer use his parents' provident fund and can only borrow money from his husband/wife. After all, they belong to two families. Summary: there are so many suites that can be bought by provident fund loans. The above has been introduced clearly. You can't borrow money to buy two houses at the same time. At the same time, some relevant policies should be clearly understood in advance. Enter the area and get the decoration quotation for free.

3. Can I borrow two sets of provident funds at the same time?

Provident fund loans support the purchase of second homes. Generally speaking, you can apply for provident fund loans to buy two suites as long as you don't exceed the number of times you use provident fund loans and are qualified to buy a house.

However, in addition to handling the basic needs of mortgage for credit information and income, provident fund loans are also required to be used only once at the same time. That is to say, if the first suite uses the provident fund loan, the second suite can't use the provident fund loan temporarily, or wait until the provident fund loan of the first suite is settled or the loan of the first suite is paid off in advance before the second suite can use the provident fund loan.

Fourth, the provident fund can buy several houses in a lifetime.

A house can be loaned by housing provident fund for two people.

The housing provident fund loans for husband and wife to purchase houses are as follows:

First, purchase the real estate housing that has signed the project reserve with the local provident fund management institution, pay the advance payment for the house purchase, and initialled the house purchase contract.

Two, issued a "housing information inquiry letter" to the local housing management department, and issued a "personal credit report" to the local people.

Third, in the real estate sales center and provident fund management center, entrust the loan bank or directly go to the provident fund window of the local government affairs center to receive the application form for personal provident fund loans, truthfully fill in the purchased housing information, personal information, loan application information (the amount and duration of the loan are calculated according to the personal family income and repayment ability) and guarantee information, paste the ID card, copy of the marriage certificate, attach the income certificate of both husband and wife, and affix the unit seal to the real estate sales.

4. After the preliminary examination, examination and approval of the provident fund management center (you don't have to worry about this, just be patient, etc.) is completed, the credit information transmitted will be transferred to the entrusted loan bank, and the bank will inform the manager of the real estate sales center and the couple of buyers to bring their ID cards to the bank to sign the Housing Provident Fund Entrusted Loan Contract and the Housing Mortgage Loan Contract, and open a loan repayment passbook.

5. After signing the housing provident fund entrusted loan contract and the housing mortgage loan contract, the contract will tell you the monthly payment amount and repayment date.