You can apply for housing provident fund loans in different places. Process of applying for housing provident fund loan in different places: If employees pay in the place of employment (deposit place) and buy self-occupied housing in the place of household registration (loan place), they can apply for personal provident fund or rental loan from the provident fund management center of the loan place with the proof of provident fund payment. When accepting the approval of housing provident fund loans in different places, the provident fund management center in the place of deposit shall issue relevant materials such as the deposit of local housing provident fund and loan certificate of employees and their spouses.
2. Can fresh college students borrow money to buy a house in Changchun?
It should be that employees can borrow money and need proof of income and mortgage.
If it is a provident fund, you must deposit it continuously for 6 months before you can apply for a provident fund loan.
3. Can college students get a mortgage?
If you are in college 18 years old, you can get a loan to buy a house.
Conditions for buying a house with a loan:
1. Buying a house with a loan requires a local permanent residence or a valid resident ID card;
2. Buying a house with a loan requires a stable occupation and income; 3. Buying a house with a loan requires good credit and the ability to repay the principal and interest of the loan on time;
4. Buying a house with a loan requires assets recognized by the lender as collateral or pledge; Or if the borrower can't provide the mortgage (pledge) in full, a unit or individual recognized by the lender that meets the prescribed conditions and has sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint and several liabilities;
5. Buying a house by loan requires a house purchase contract or agreement or relevant approval documents;
6. The price of the house purchased by the loan basically conforms to the appraisal value of the lender or its designated real estate appraisal institution;
7. If you don't enjoy the loan subsidy, the down payment shall be a deposit or cash of not less than 20% of the total price of the purchased house; Enjoy housing subsidies, with 20% of personal deposits or cash as the down payment;
8. Buying a house with a loan requires other conditions stipulated by the loan bank.
College students are allowed to borrow money to buy a house if they have the conditions and meet the legal requirements.
4. Can fresh college students borrow money to buy a house in Changchun?
It should be that employees can borrow money and need proof of income and mortgage.
If it is a provident fund, you must deposit it continuously for 6 months before you can apply for a provident fund loan.