At present, domestic housing prices are generally high, especially for young people who have just entered the society. It is difficult to buy a house through one's own ability. In this case, the vast majority of young people will choose to use commercial loans or provident fund loans to solve the financial problem. How to solve the problem that the real estate does not support provident fund loans? Is it reasonable not to support provident fund loans?
1. What if the building does not support provident fund loans?
1. Under normal circumstances, a building can support provident fund loans as long as it has obtained a pre-sale permit. If the building does not support provident fund loans, we can ask the developer to provide pre-sale permits. If the house doesn't even have a pre-sale permit, we can choose to complain to the local authorities.
2. Now all the properties sold in the market must meet the requirements of complete five certificates. The house with incomplete five certificates is not only insecure, but also affects the time for us to handle the transfer. It is normal that some small property houses do not support provident fund loans. If it is impossible to apply for provident fund loans because of property rights problems, the best solution is to choose another property.
Second, is it reasonable not to support provident fund loans?
1. To be precise, this house will support provident fund loans as long as the five certificates are complete, but the real estate also needs to be combined with our personal actual situation to judge whether we are qualified to apply for provident fund loans.
2. Housing loans need to pay the provident fund continuously for more than one year, and like ordinary loans, the loan qualification is not open to people with credit problems.
3. In other words, whether it is a provident fund loan or a commercial loan, the credit score must be above 80 points, and individuals must have a stable job and a fixed income to qualify for loans.
Is provident fund loan or commercial loan cost-effective
It is obvious from the loan that provident fund loans are definitely much more favorable than commercial loans. The annual interest rate of provident fund loans is about 2.75%~3.25%, while the annual interest rate policy of commercial loans is usually about 4.9%. If you meet the conditions of provident fund loans, you can use the provident fund to apply for housing loans.
At the end of the article: The above is the solution that the real estate does not support provident fund loans, and I hope it can help everyone.
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