Legal subjectivity:
Of course. Types of housing provident fund loans: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans, etc. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. "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.
Legal objectivity:
"Regulations on the Management of Housing Provident Fund" Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.
Can resettlement houses apply for provident fund loans?
1. Resettlement houses can apply for provident fund loans. The loan target is employees who have paid the housing provident fund in accordance with the regulations and have full capacity for civil conduct, and must meet the following conditions at the same time: (1) They have permanent residence or valid residence status in their administrative areas; , when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), and the normal continuous deposit of housing provident fund for new employees for more than six months (inclusive); The actual behavior of resettlement houses; Agree to use the full value of the resettlement housing property purchased by the loan as collateral; Have a stable income, good personal credit and the ability to repay the principal and interest of loans; The borrower and his wife have no outstanding housing provident fund loans. \ 2. Where the resettlement housing provident fund loan business is handled, the following materials are required: (both originals and three copies are required), and the identity cards of both husband and wife; Household registration certificate; Marriage certificate (unmarried certificate); , proof of income; , refresh the provident fund passbook or provident fund deposit flow; Proof of housing registration information; , resettlement agreement; First payment voucher and bank statement; Other materials required by the management center.
Can I buy a resettlement house with a provident fund loan?
Legal analysis: Resettlement houses can use provident fund loans. Resettlement housing is a house built by the government to resettle residents when carrying out urban road construction and other public facilities construction projects. That is, houses for the mortgagee or lessee to live in for reasons such as urban planning and land development. Purchase resettlement houses can be provident fund loans. Different regions have different requirements for resettlement housing loans. If the loan object is an on-the-job employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, it can be handled in accordance with the regulations. The condition of housing provident fund management is that individuals and their units must continuously deposit housing provident fund for one year; The borrower has stable economic income and good credit. Can provident fund loans. Provident fund loans refer to individual housing provident fund loans. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to pay the housing provident fund depositors who buy, build, renovate or overhaul their own houses and retired employees who pay the housing provident fund during their employment.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.
Excuse me, can the resettlement house use the housing provident fund loan?
1. Resettlement houses can apply for provident fund loans. The loan target is employees who have paid the housing provident fund in accordance with the regulations and have full capacity for civil conduct, and must meet the following conditions at the same time: (1) They have permanent residence or valid residence status in their administrative areas; , when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), and the normal continuous deposit of housing provident fund for new employees for more than six months (inclusive); The actual behavior of resettlement houses; Agree to use the full value of the resettlement housing property purchased by the loan as collateral; Have a stable income, good personal credit and the ability to repay the principal and interest of loans; The borrower and his wife have no outstanding housing provident fund loans. \ 2. Where the resettlement housing provident fund loan business is handled, the following materials are required: (both originals and three copies are required), and the identity cards of both husband and wife; Household registration certificate; Marriage certificate (unmarried certificate); , proof of income; , refresh the provident fund passbook or provident fund deposit flow; Proof of housing registration information; , resettlement agreement; First payment voucher and bank statement; Other materials required by the management center.
Can resettlement houses use provident fund loans?
Resettlement houses can apply for provident fund loans. Different regions have different requirements for resettlement housing loans. If the loan object is an on-the-job employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, it can be handled in accordance with the regulations.
The resettlement housing provident fund loan object is the employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, and must meet the following conditions at the same time:
1, with permanent residence or valid residence status within the administrative area.
2. When applying for a loan, the housing provident fund shall be paid continuously for more than one year (inclusive), and the new account holder shall be paid continuously for more than six months (inclusive).
3. The actual behavior of resettlement houses.
4. Agree to use the total property value of the resettlement house purchased by the loan as collateral.
5 have a stable income and good personal credit, and have the ability to repay the principal and interest of the loan.
6. The borrower and his wife have no outstanding housing provident fund loans.
The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.
Can resettlement houses use provident fund loans? Detailed explanation of specific conditions
Resettlement housing is a house built by the government to resettle residents when carrying out urban road construction and other public facilities construction projects. Can the resettlement house be loaned? Can resettlement houses use provident fund loans? What are the loan conditions of resettlement housing provident fund? I will give you the most detailed answers to these questions.
Can resettlement houses use provident fund loans?
The land nature of resettlement houses belongs to allocation. If you don't have a house title certificate, you can't get a loan. If you have a house title certificate, you can get a loan. If resettlement housing is the policy, it is estimated that banks will not accept it as collateral, and they will not be able to make mortgage loans. Some resettlement houses have the same property rights as ordinary commercial houses, and such houses can be mortgaged. Resettlement houses are big property rights and can apply for provident fund loans.
Loan conditions of resettlement housing provident fund
The loan object is the employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, and must meet the following conditions at the same time:
1, with permanent residence or valid residence status within the administrative area;
2, when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), the new account holder normal continuous deposit of housing provident fund for more than six months (inclusive);
3. The actual behavior of resettlement houses;
4. Agree to use the total property value of the resettlement house purchased by the loan as collateral;
5. Have a stable income, good personal credit and sufficient ability to repay the principal and interest of the loan;
6. The borrower and his wife have no outstanding housing provident fund loans.
Through the above introduction, I answered, "Can resettlement houses use provident fund loans?" Very clear. If the resettlement house and commercial housing are of the same nature, you can apply for provident fund loans if you get the property certificate, and there are strict requirements for the qualifications of lenders.
The introduction that resettlement houses can be financed by provident fund loans ends here.