1. With provident fund loans, the housing area cannot be greater than144 _;
2, the purchase of second-hand housing to use provident fund loans, the borrower's age and loan application period, can not exceed its statutory retirement age, professional and technical personnel can be extended for 5 years;
3. If the age of the second-hand house exceeds 15, the age plus loan period cannot exceed 30 years.
4. Second-hand houses purchased must belong to commercial housing, affordable housing and price-limited commercial housing to use provident fund loans, while second-hand apartments and other small property houses cannot use provident fund loans. In addition, units that raise funds to build houses, affordable housing built by units and housing reconstruction projects listed by the government in the old city reconstruction plan can also apply for provident fund loans after the main body of the houses built is capped.
Extended data:
What materials should be prepared for second-hand housing loans?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) The original and three copies of the household registration book, identity card and marriage certificate of both husband and wife;
(3) 3 originals of the legal and valid house transaction contract signed with the house property owner (including the house owner); If the house transaction contract is not signed, 3 original written certificates of consent to the sale shall be provided;
(4) The ownership certificate of the transaction house, that is, the original and three copies of the real estate license. * * * For some houses, the original and three copies of the real estate license shall be provided;
(5) prepaid house purchase bill, original deed tax payment certificate and 3 copies;
⑥ In case of mortgage or pledge guarantee, the original and three copies of the ownership certificate of the mortgaged property or pledge right shall be provided, and three originals of the written certificate of the disposition owner's consent to mortgage (pledge) shall be provided. If the purchased house or other collateral is mortgaged, it is also necessary to provide 3 originals of the evaluation report on the transaction house or other collateral issued by the evaluation institution recognized by the lending institution;
All landowners involved in the guarantee, the guarantor guarantee ability certificate in three copies (including business license, financial statements for the last three years, qualification grade certificate, credit grade certificate, etc. ) should be provided;
⑧ Other materials specified by the housing provident fund management institution.
What materials do you need to prepare for personal housing provident fund loans?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) 3 originals and photocopies of the fund-raising housing plan and approval document approved by the competent department, state-owned land use certificate, construction land planning permit, construction project planning permit and building construction permits;
Original and 3 copies of the unit fund-raising plan;
(4) 3 copies of the basic information form of employees participating in fund-raising housing construction;
⑤ 3 originals of the staged guarantee issued by the unit;
The original and 3 copies of the certificate that the individual has paid the fund-raising housing provident fund;
⑦ 3 originals of the contract or agreement on fund-raising housing signed by the loan applicant and the unit;
3 originals and photocopies of the household registration book, ID card and marriage certificate of the borrower and spouse.