The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

Is it more cost-effective to buy second-hand houses in Xiamen with provident fund loans or commercial loans to withdraw provident fund repayment?

At the same price, the high cost performance of provident fund loans is certain.

Because the interest on provident fund loans is 4.5%; The interest on commercial loans is 6.55%.

In addition, after the provident fund loan, you can also use the provident fund to repay the loan.

If it is less than 5 years, the seller shall bear the tax within 5 years.

The price level is discussed with the seller, not set by others.

Xiamen provident fund loan to buy a second-hand house, how to handle it?

Second-hand housing provident fund loan application needs to carry information: ① ID card, original and photocopy of household registration book and provident fund account number of loan applicant, spouse, borrower and property owner. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price; (4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function; 6. Original contract for the sale of second-hand houses; ⑦ Original and photocopy of Shangjia ID card and real estate license; Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency; Pet-name ruby If the loan is extended to home, provide a copy of the loan passbook. Process of applying for provident fund loan 1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and receives the materials. 2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies. 3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee. 4) After the entrusted bank has passed the investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval. 5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities. 6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds into the developer account. 7) The borrower shall repay the loan on time in the prescribed way. 8) If the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved, and the relevant documents are returned to the borrower (mortgagor or pledger) and deposited in the housing fund management center of Zhongzhi and State Administration Bureau, the first step is to apply to the bank where the loan is opened and go through the relevant formalities. Borrowers can also find relevant lending institutions and entrust them to help with the loan procedures, and the institutions charge agency fees. In this form, except for preparing materials, signing contracts and handling insurance, other procedures can generally be entrusted to an agency.

Let's stop here for the introduction of second-hand housing provident fund loans in Xiamen.