In fact, the lack of provident fund does not affect the loan to buy a house. Generally, there is no clear requirement for the balance of the customer's provident fund account, as long as the customer's provident fund account is in a normal deposit state, and the provident fund has been paid in full and on time for six months or more, and there is no provident fund loan in his name or the loan has been settled.
Of course, the more the balance in the provident fund account, the more the customer can approve. If the provident fund is too small for customers to apply for, they can also choose to apply for portfolio loans, and the insufficient part can be supplemented by commercial loans; Or simply give up the provident fund loan and buy a house with a commercial loan. However, the interest rate of commercial loans is generally higher than that of provident fund loans, which is not cost-effective.
In addition, customers can also choose to apply for mortgage loans with their spouses or parents, so that the other party will also participate in the calculation of the quota, and the provident funds of both parties will be calculated together, and the amount that can be applied for will naturally be more.
Personal housing provident fund loans to buy a house is the first way. According to the "Measures for the Implementation of Individual Housing Provident Fund Loans", the borrower applying for such loans must meet the following conditions: the borrower is an individual who normally pays the housing provident fund in the "provident fund center"; The borrower purchases affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the loan principal and interest; There is a contract for the purchase of housing or relevant supporting documents; The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender the priority of mortgage and compensation as a guarantee for repayment of principal and interest; The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.
After meeting these conditions, you can apply for a loan from the bank with your ID card, the purchase contract signed by the real estate company, the monthly income certificate (payroll) and the provident fund deposit certificate issued by the provident fund center. Generally speaking, in order to ensure the safety of funds, banks should conduct certain audits on the credit and economic strength of borrowers.
After the approval, we will enter the final stage of buying a house by loan: deposit 30% of the down payment into the account opened by the real estate company in your loan bank; Apply for a savings card at your loan bank so that the bank can deduct the loan amount from the card every month in the future; Sign a loan contract. At the same time, we must mortgage the house, buy insurance and finally notarize it. These things are handled by the bank and the expenses are borne by the borrower.
Can I get a loan if the provident fund has no money?
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
Can I get a loan if there is no balance in the provident fund account?
In some areas, the balance of provident fund accounts needs to reach a certain amount, but applying for loans mainly depends on the duration of continuous payment and the amount of deposits. Whether there is a balance in the provident fund account is not necessarily related to whether you can apply for a loan. For details, please refer to the local provident fund loan policy. "Measures for the Administration of Personal Housing Provident Fund Loans in Jinan City" Article 3 A borrower applying for housing provident fund loans must meet the following conditions at the same time: (1) He has stable economic income and loan repayment ability, and his personal credit status is good; (2) The borrower has continuously paid the housing provident fund in full at the time of loan for not less than the specified time, and has not paid off the housing provident fund loan in full; (3) Having a legal procurement contract or agreement; (four) the down payment of the purchased house that has been delivered shall not be less than the prescribed proportion; (5) If it is agreed that the purchased house or other real estate recognized by the provident fund can be used as collateral, or movable property and rights can be used as collateral, the unit that sells the purchased house will provide installment loan guarantee for the purchase of new commercial housing loans.
Can I get a loan if there is no money in the provident fund account?
You can't apply for a loan without money in the provident fund account. Provident fund loans can only be applied after the provident fund has been paid continuously for one year, and the loan amount is three times that of the provident fund.
Provident fund loan, repayment account has no money, can the loan come down?
If there is no money in the repayment account of the provident fund loan, the loan will definitely not come down. If there is no money in the repayment account, then you can't prove that you have the repayment ability, and you will definitely not come down.
Is there no balance in the provident fund loan?
Without the balance of provident fund loans, you can borrow as long as you make a general loan. In one place, there is no balance of provident fund loans that can be loaned. In one place, if you make a general loan, it may mean that you can borrow it 2~3 times. As long as you have the money in this house, if there is no balance, you can take it again.