When buying a house with a loan, can I use the monthly housing provident fund to repay the loan? No, because you need to withdraw the housing provident fund ... every employee can only withdraw it once a year, and the interval between two withdrawals must be 12 months. In other words, you can make a one-time loan last year and pay this year's loan. Can foreign household registration buy a house locally and use the housing provident fund? You can't use the provident fund loans from other places, but you can get the provident fund where the provident fund is located. If you withdraw the housing provident fund once a year to repay the principal and interest of the house purchase loan, the materials provided are as follows: ① the original housing loan contract (a copy is required for the first application); Original certificate of current loan balance issued by the borrowing bank; ③ Original and photocopy of ID card. Do I have to go to the account to get it out? No need. The above items will do.
2. Can a foreign household registration in Xiangyang use the local provident fund to buy a house for a loan?
When applying for provident fund loans:
1, with full capacity for civil conduct;
2, provident fund deposit certificate (or housing provident fund card);
3. Identity cards, household registration books and proof of marital status of the applicant and spouse;
4, the gold period for more than one year (inclusive) on-the-job employees, they must be normal deposit for six months (of which the monthly deposit amount of gold reached the minimum monthly deposit amount announced by the CMC;
5, workers in the purchase, construction, renovation, overhaul occupied housing behavior occurred within five years (inclusive), you can apply.
6. If employees apply for loans for the first time and the second time, they need to pay 20% (inclusive) of the purchase price.
7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.
3. Can the local provident fund for foreign accounts be loaned?
Yes, using the housing provident fund loan to buy a house where the provident fund is paid is not restricted by the employee account. As long as employees meet the conditions of provident fund loans and meet the legal requirements, they can apply for provident fund loans where they pay the provident fund. Provident fund loan conditions:
1. 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.
2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months.
Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans.
3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off.
Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.
When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.
According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when they buy, build, decorate or overhaul their own houses.
The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.
4. Can the local provident fund for foreign accounts be loaned?