Single provident fund loans do not need a guarantor. The housing provident fund paid by employees and the housing provident fund paid by the unit where employees work are personal savings specially used for housing consumption expenses stored by employees according to regulations. Provident fund loans do not need a guarantor to buy a house.

Legal basis:

Regulations on the administration of housing provident fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.

Can unmarried people use provident fund loans to buy a house together? How to buy a house together

Many young people buy a house and get married with all the financial resources of two families, so how to deal with the problem of unmarried people buying a house together has caused a lot of abuse. How to avoid the property right problem of unmarried people buying houses together has become a concern of both buyers. First of all, we should know more about it. So can unmarried people buy a house together with provident fund loans? How do unmarried people buy a house together with provident fund loans?

Understandably, many young people now start working and have little savings, but now they get married at a young age. When you get married, you usually ask for a house. The property right of unmarried people when buying a house has become a concern of both buyers. First of all, we must know more about it. So can unmarried people buy a house together with provident fund loans? How can unmarried people buy a house together with provident fund loans?

Can unmarried people use provident fund loans to buy a house together?

Unmarried people can use provident fund loans to buy a house together, but there will be many property rights problems. Professional mortgage consultants explain that if both parties have money to buy a house before marriage, only one party has a name, and the other party is embarrassed or afraid of affecting the feelings of the two people, so he does not reflect his housing rights on the real estate license or related documents.

Then once they can't enter the next stage of marriage smoothly, the two sides will turn against each other and become enemies, which will inevitably lead to disputes when dividing property, leaving this party in a disadvantageous position without legal protection. According to the provisions of the new marriage law, pre-marital property is their own, and will not be converted into joint property of husband and wife because of the continuation of marriage relationship, unless otherwise agreed.

How can I buy a house together with a provident fund loan if I am not married?

1. It is very effective to buy a house together before marriage. Couples should be cautious about buying a house before marriage. Property notarization or signing an agreement is a necessary prerequisite for buying a house together. Don't get carried away when your feelings are sweet and stable. No one can predict what will happen tomorrow. To notarize the property before marriage or sign an agreement. If evidence can be found in time when it happens, it is best to avoid future real estate.

2. It is easy to sign a repayment agreement after buying a house with a loan. Now banks are very strict in approving personal mortgage loans. In practice, if the two parties are unmarried, an agreement should be signed to clarify the lending rights and obligations of both parties. If their feelings are not harmonious in the future, then the lender will have to bear this huge foreign debt alone.

3. whose name is written on the real estate license should be cautious. When buying a house, whether it is a new house or a second-hand house, the real estate license can reflect the names of two people. However, both parties should negotiate the proportion of real estate shares in advance, and after dividing the property rights in advance, both parties will enjoy the rights or assume the obligations of * * * according to their respective shares. This will not happen.

The above is about whether unmarried people can buy a house together with provident fund loans and how unmarried people can buy a house together with provident fund loans. Young people may not have enough savings to buy a house and need the help of their parents. In this case, if two people's names are written on the real estate license at the same time, you should sign another agreement. Don't be embarrassed, it's safer to do so.

Can a single person get a provident fund loan?

Singles can apply for housing provident fund to buy a house. Conditions for applying for provident fund loans: 1, employees with urban permanent residence or valid residence identification; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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.

I want to ask if I can use the housing provident fund loan if I am unmarried.

Unmarried people can use housing provident fund loans. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Before applying for a loan, you must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan before you can use the housing provident fund loan.

According to Article 3 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees.