First, can personal social security loan to buy a house?
Only personal social security can't buy a house. If the purchase price is not enough, you can apply for a mortgage loan. Personal housing mortgage loan conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
Second, how to use personal social security loans to buy a house
1. Materials to be prepared for buying a house with provident fund.
(1) The original applicant's household registration book and the first page and the copy of the first page of the household registration book.
(2) The original and photocopy of the applicant's ID card.
(3) The original and photocopy of the applicant's income certificate.
(4) The original and photocopy of the applicant's own provident fund deposit certificate.
(5) The original contract signed at the time of purchase and the down payment paid.
(6) A copy of the house sales license.
(7) A copy of the land use certificate.
2. Materials to be prepared for full purchase.
Married: marriage certificate, identity card and household registration book of both husband and wife.
Singles: ID card, household registration book and single certificate.
3. Materials to be prepared for the loan to buy a house.
Married people: the copies of marriage certificate, ID card, household registration book, income certificate and business license of both husband and wife are stamped with official seals, and the salary card for half a year or one year is handled smoothly.
Singles: ID card, household registration book, single certificate, income certificate and bank statement.
Third, the provident fund loan processing process
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and provide relevant information truthfully.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
The above is my own collection of legal knowledge about personal social security loans to buy a house. Personal social security can not buy a house, you can choose to apply for a mortgage loan, but you must also have the relevant conditions to apply for a mortgage loan.