We need to use the housing provident fund to buy a house, so do you know what kind of house can't be used?
Now each of us has a housing provident fund. Now we can use the housing provident fund loan to buy a house, which can lower our interest rate and reduce the pressure on us to buy a house. But do you know that there are five kinds of houses that we may not be able to use provident fund loans? Do you know what five types of houses are? When buying a house, you must pay attention to these five houses. Many people will buy second-hand houses, so how to decorate second-hand houses?
First, can't those houses be provident fund loans?
1, small property right house:
Property right houses only have the property right certificate issued by the township government, and there is no property right certificate issued by the state. Therefore, small property houses are also called "rural property houses". It is precisely because there is no real property ownership certificate for small property houses. Therefore, the housing provident fund management center does not recognize small property houses, so it is naturally impossible to use provident fund loans.
2. Public housing:
Houses under the name of public schools or hospitals belong to public houses. No matter what your purpose is, whether you are an individual or a business, you have no right to dispose of public houses. If you buy these public houses, you can't use the provident fund loan, so no matter how cheap the public houses are, friends should not buy them.
3, illegal building houses:
For illegally built houses, it is possible to buy them at any time, let alone use provident fund loans. Therefore, when buying a house, everyone should pay attention to check the developer's five certificates, because if the developer's five certificates are incomplete, then the house he built is basically an illegal building.
4, the house area is too large:
Housing accumulation fund is the welfare policy of employees. The original purpose is to meet the needs of buyers, not to buy a house for investment. Therefore, if the house you buy is too large, it is beyond the scope of ordinary commercial housing for residents. Then, you can't buy a house with a provident fund loan!
5. Limited use times:
As a welfare policy for employees, the housing accumulation fund was originally designed to meet the housing needs of people who just needed it. So you can't buy a house with a provident fund loan indefinitely! If you use the provident fund loan twice, then you can't use the provident fund loan to buy a house!
Second, how to decorate the second-hand house?
1, garbage disposal
A lot of rubbish will be produced in the process of second-hand house demolition and reconstruction. Therefore, in the construction process, everyone should try to prevent small debris from falling into the sewer. Although unremarkable, small debris can easily cause water pipe blockage.
2. Color of building materials
Second-hand housing decoration, only local changes, such as the floor. Generally speaking, only 4 mm thick floor tiles can be renovated. But we must pay attention to the color problem between floor tiles. It is very likely that the color of the new floor tile will conflict with the color of the old floor tile, which requires us to pay more attention.
3. Water pipes and wires
When the water circuit is rebuilt, we must pay attention to the demolition of the floor on the wall, pay special attention to the layout of the water and electricity lines, and never destroy or tamper with our water and electricity lines at will.
Step 4 shovel the wall
There will be a lot of dirt and unevenness on the walls of public houses and second-hand houses, so it is necessary to renovate the walls at this time. Before we turn over the old and new walls, we are not allowed to do the basic treatment of the walls. All seriously aged walls must be carved from the roots and then coated with white cement. The wall is too smooth. After painting, it is necessary to polish and remove the loose epidermis, which is conducive to the adhesion of new paint to the wall. The function of wall primer is to resist alkali and moisture, seal the substrate, protect the top coat and improve the texture and hiding power of the top coat.
5, doors and windows replacement
From a safety point of view, the doors and windows of second-hand houses must be replaced. Aging of doors and windows is one of the most common problems in second-hand houses. Doors and windows not only represent the facade of the home, but also the god of the security door at home. Under normal circumstances, if the doors and windows are slightly aged, you can use new paint to make the doors and windows that were slightly aged look brand-new. Old door locks are now a piece of cake for "high-tech" thieves.
6, check the wall water and electricity
Although it is said that some major projects should not be carried out in the renovation of second-hand houses, professionals should also be asked to check whether there are peeling cracks in the walls of each room, whether the circuits are aging, and whether the water pipes are leaking. If there is, it's better to fix it before renovation.
7. Try to choose finished furniture for furniture.
Whether it's new house decoration or second-hand house decoration, if you want to save money, then when choosing furniture, you should choose finished furniture instead of on-site furniture. Therefore, woodworking is not only time-consuming but also expensive. It is better to buy furniture that can be bought in the market.
Now the second-hand housing market is also very hot, so in the process of second-hand housing decoration, we must know how to choose how to decorate. We all need loans to buy a house. Whether buying a new house or a second-hand house, it is very suitable to use housing provident fund loans. If you can't use housing provident fund loans, you must pay attention to the house.
Under what circumstances can't I get a provident fund loan?
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 is a house that cannot be loaned by provident fund? What do you need to prepare for the provident fund loan to buy a house?
We work in a company, and the company will pay us the provident fund, which we can use to apply for a loan to buy a house. Some people may think that all houses can use provident fund loans, but it is not. These houses cannot apply for provident fund loans, so what are they? Let's look below.
Which houses can't use provident fund loans?
1, small property right house
Small property houses are also called "rural property houses". It is precisely because there is no real property right certificate for small property houses. Therefore, the housing provident fund management center does not recognize small property houses, so it is naturally impossible to use provident fund loans.
2. Public housing
Houses under the name of public schools or hospitals belong to public houses. No matter what your purpose is, whether you are an individual or a business, you have no right to dispose of public houses. If you buy these public houses, you can't use provident fund loans, so don't buy public houses no matter how cheap they are.
3. Building houses illegally
For houses built in violation of the requirements, it is possible to buy them at any time, not to mention using provident fund loans. Therefore, when buying a house, everyone should pay attention to check the developer's five certificates, because if the developer's five certificates are incomplete, then the house he built is basically an illegal building.
The area of the house is too big.
Housing accumulation fund is the welfare of employees. The original purpose is to meet the needs of buyers, not to buy a house for investment. Therefore, if the area of the house you buy is too large, which exceeds the scope of ordinary commercial housing for residents, you can't buy a house with provident fund loans.
In addition, the number of applications for provident fund loans is limited. Those who have used provident fund loans twice can no longer use provident fund loans to buy a house.
Now the mortgage approval is more strict. Before applying for a provident fund loan, you should confirm whether you meet the conditions for applying for a loan. Do not meet the conditions, can not apply for provident fund loans. Generally speaking, provident fund loans need to meet the following conditions:
1. Participate in the housing provident fund deposit, and pay the housing provident fund in full for 6 months or more before the loan;
2. The borrower has a stable income and the ability to repay the principal and interest of the loan, and there is no large outstanding debt under his name when applying for the loan;
3. The borrower's personal credit is good, and there is no bad record such as overdue;
4. The borrower has paid the down payment for the house purchase, which is usually 30% of the total house price;
5. When applying for housing provident fund loans, there are no outstanding housing provident fund loans under the names of the borrower and his spouse. Any party who has outstanding housing provident fund loans under its name cannot apply for housing provident fund loans.
Generally speaking, the interest of provident fund loans is relatively low, which is more cost-effective as a mortgage, but the amount is relatively low. If the price of the house you buy is relatively high, it is likely that the amount is not enough to buy a house, then buyers can choose a combination loan or change it to a commercial loan or increase the down payment ratio to solve this situation.