Under any of the following circumstances, you cannot apply for housing provident fund personal housing loan: (1) You have not paid housing provident fund;

(2) Although it has been paid, the time for paying the housing provident fund does not meet the requirements;

(3) having 2 or more houses in this city;

(4) There are 2 or more housing loan records;

(5) There are housing loan records and housing in this city, and they are not the same housing;

(6) The purchased house is sealed up or detained;

(7) Unable to provide an effective guarantee method recognized by Beijing Housing Provident Fund Management Center;

(8) Non-buyers cannot apply for housing provident fund personal housing loans. Parents can't apply for housing provident fund and personal housing loan when their children buy houses.

What if you don't let the housing provident fund loan buy a house?

It is not allowed to buy a house with a provident fund loan: negotiate with the developer, and the negotiation fails to apply for mediation; If mediation fails, people can resort to it. Buying a house with provident fund loan is a national safeguard measure stipulated by Chinese laws, and no individual or unit may violate the relevant laws and regulations.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

What if you don't let the provident fund loan buy a house?

If the purchaser refuses to use the provident fund loan to purchase a house, he should provide real loan information or repair bad records in time and turn to commercial loans; If the developer refuses to use the provident fund loan to buy a house, he can ask the developer to refund the down payment and deposit, and pay the corresponding interest loss. "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

What if the developer refuses to use the provident fund loan?

Why do developers refuse housing provident fund loans? Because the interest rate of housing provident fund loans is very low. At present, the personal housing loan interest rate of housing provident fund is 3.25, which is much lower than that of commercial banks. According to estimates, a personal housing loan of housing provident fund with a quota of 6.5438+0 million yuan and a term of 20 years can save more than 200,000 yuan in interest expenses compared with personal housing loans of commercial banks, which can effectively reduce the burden on employees to buy houses. In addition, due to the long period of capital withdrawal, this will indirectly harm the interests of developers and other subjects, so mercenary developers are reluctant to let buyers borrow from the provident fund. Four departments, including the Ministry of Housing and Urban-Rural Development, issued the Notice on Safeguarding the Housing Provident Fund's Rights and Interests of Workers' Housing Loans to stop developers from refusing housing provident fund loans. Real estate development enterprises in the sale of commercial housing, to provide a written commitment not to refuse the purchase of housing provident fund loans, and to be publicized at the real estate sales site. Real estate development enterprises shall earnestly fulfill their commitments, and shall not restrict, obstruct or refuse buyers to use housing provident fund loans by raising housing sales prices or reducing price discounts, and shall not require buyers to sign written documents voluntarily waiving their rights to housing provident fund loans. Article 7 of the Notice on Safeguarding the Rights and Interests of Workers' Housing Loans Deposited by Housing Provident Fund increases joint punishment. Local housing and urban construction departments and housing provident fund management centers should promptly investigate and deal with problems that damage the rights and interests of employees' housing provident fund loans. Real estate development enterprises and sales intermediaries that restrict, obstruct or refuse employees to use housing provident fund loans to purchase houses shall be ordered to make rectification. If the violation is serious and refuses to rectify, it should be publicly exposed and incorporated into the enterprise credit information system, and dealt with severely according to law.

What should developers do if they don't apply for housing provident fund loans to owners?

Developers do not apply for provident fund loans to owners. Generally, there are two situations: if the place where the provident fund is paid is inconsistent with the place where the house is purchased, it is generally impossible to use the provident fund loan, and you can only apply for withdrawal of the provident fund at the place where the provident fund is paid within six months by virtue of the house purchase contract. If the deposit place and the purchase place are in the same city, then the only possibility is that individuals or families cannot use the provident fund because of purchase restrictions. It is recommended to consult the local real estate trading center. If the above two situations are inconsistent with your actual situation, then the developer is fooling you! It is suggested to know the actual situation of the real estate. If the house grows several floors, it may be that you want to buy those houses that have grown up, which are not within the pre-sale scope or other factors. If you don't have the above two conditions, I suggest you know the situation of buying the property as soon as possible before making a decision.