Of course.

The provident fund can be renovated by loan, and the following conditions need to be met:

1. Generally, the area of the house to be renovated is 70_, and the age of the house is within 15.

2. The general provident fund renovation loan limit is 1 1,000 yuan/_, which may be relaxed to about 2,000 yuan/_ again in the future.

3. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. In the short term, owners who need to buy houses should not easily make provident fund decoration loans.

4. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After getting the loan, don't take all the money in the account, and leave a repayment limit of at least two months to avoid repayment default.

Matters needing attention in using provident fund loans

Repayment method of provident fund: Different cities have different repayment methods. Generally speaking, there are three ways: equal capital (the first month's repayment amount is large, and then it will decrease once a month), equal principal and interest (the monthly repayment amount is the same), and free repayment. You can also apply for provident fund repayment, that is, entrust the bank to withdraw the balance in the provident fund account to repay the loan.

Prepayment: If prepayment is to be considered, according to the relevant provisions of provident fund loans, it must be made after one year of repayment, and the amount of prepayment must exceed six months of repayment.

For the above contents, please refer to People's Daily Online-Can I apply for a housing provident fund loan for housing renovation?

Can the provident fund be loaned to decorate the house?

Can the provident fund loan decorate the house? How to apply for housing provident fund decoration loan? As a novice buyer, you may not know much about this. But don't worry, I'll give you a brief introduction to these two problems.

Can the provident fund be loaned to decorate the house?

Yes, but only if these loan conditions are met. First, the borrower has a permanent residence or residence certificate in this city, and then pushes it forward from the date of application and pays the housing provident fund in full 12 months or more. Finally, he must have a contract and related materials that meet the legal requirements for buying a house for self-study.

How to apply for housing provident fund decoration loan?

1. Compared with housing loans, it is definitely more troublesome to apply for provident fund renovation loans. After all, decoration loans and loans have different meanings in buying a house.

2. First of all, you need to find a reliable guarantor, preferably a civil servant, a teacher or someone with a fixed financial source.

Of course, no matter who you are, you are qualified to guarantee, so it is relatively troublesome to find a reliable guarantor. Unless you have relatives and friends, others will certainly not vouch for others at will. After all, the guarantor needs to bear certain risks.

In addition, if you have a property that belongs to you, that is, the property in your own name, and you have a household registration book, you can also use the property as collateral.

5. It should be noted that not all houses can get decoration loans when they get loans, and they must not have done decoration loans before, and the amount of decoration loans is not up to you.

6. Finally, you should issue all kinds of proof materials according to the relevant requirements of the provident fund, so that the lending bank will give you a loan.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of whether the provident fund can be used to decorate the house. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Can the provident fund be used to decorate the house?

Housing provident fund can be used to decorate houses with loans.

Provident fund renovation loan is another form besides provident fund loan in mortgage to buy a house. Provident fund for decoration must meet the following conditions:

1. The housing area required for general decoration is more than 70 square meters;

2. The room age is within 15 years.

The steps of housing provident fund loans are as follows:

1. Lenders need to submit a written application to the bank to apply for housing provident fund loans;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

6, bank audit, examination and approval, audit, signing a loan contract and other procedures.

legal ground

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can the provident fund be loaned to decorate the house?

Housing provident fund cannot be used for loan decoration of houses, because the decoration of houses is not within the scope of use of housing provident fund. It should be noted that although the housing accumulation fund can be used to purchase, build, renovate and overhaul occupied houses, the meanings of overhaul and decoration are different.

Overhaul refers to a kind of house reinforcement and repair behavior that needs to affect or dismantle some main components of the house, but does not need to dismantle all the houses; Decoration refers to the surface decoration behavior and internal decoration behavior of the original housing structure.

In real life, employees applying for provident fund loans are mostly used to buy houses. If there is not enough money to decorate the house, it is recommended to apply for a decoration loan directly from the bank, or apply for a consumer loan from other licensed financial institutions, or the bank provides a large-scale special installment service for credit cards, or apply for a credit card home improvement installment.

In addition to purchasing, building, rebuilding and overhauling self-occupied houses, housing provident fund can also be used to repay the principal and interest of housing loans, and households without houses can also be used to pay rent beyond the prescribed proportion of family income.

Extended data:

Personal application for provident fund loan process:

Individuals who need to buy a house, build a decorated house, rent a house or decorate a house can apply for a provident fund loan. The specific process is as follows:

1. The borrower brings all the loan materials, submits a written application to the outlet of the local housing provident fund management center, and fills in the Housing Provident Fund Loan Application Form;

2, housing provident fund is responsible for the loan qualification, guarantor qualification, loan amount, loan period review;

3. After passing the examination, the borrower signs relevant loan contracts and agreements and handles insurance;

4. The Housing Provident Fund Center issues a loan approval notice to the bank, and entrusts the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;

5. After the mortgage pledge certificate comes out, the bank sorts out the borrower's materials and sends them to the provident fund management institution for re-examination;

6. Pass the bank loan review.

Note that you cannot apply for provident fund loans in the following four situations:

1, the building structure is brick-wood structure and mixed structure;

2. Use for non-residential houses and low-density commodity houses;

3. Have used housing provident fund loans twice;

4 do not meet the conditions of other provident fund loans.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.

Is it possible to decorate the house with provident fund loans and decorate it with provident fund loans? This concludes our introduction. I wonder if you found the information you need from it?