Provident fund loans can be written in the names of two people. Whether one person borrows money to buy a house or both parties jointly borrow money to buy a house, the property right of the house can be owned by many people, that is to say, two or even more names can be added. But it should be noted that if the loan has been successfully handled, it is impossible to add a name at this time.
At present, housing provident fund actually belongs to a housing security system. The use of housing provident fund loans is a mortgage loan issued by local housing provident fund management centers to employees who have paid housing provident fund in their own units and entrusted commercial banks to employees and retired employees who have paid housing provident fund during their employment. To apply for a loan by using the provident fund, the following conditions are required: 1. The provident fund must be paid in full for more than 6 months, and the loan cannot be applied if the deposit is interrupted; 2. You need to have a local permanent residence; The down payment of the house must have been paid, because the provident fund can't be used to pay the down payment of the house.
legal ground
Interpretation of some issues in the Marriage Law of the People's Republic of China (III) Draft for Comment Article 1 A husband and wife sign a contract for the sale of real estate before marriage, pay the down payment with their personal property and make a loan in the bank. If the property is registered in the name of the down payment payer after marriage, the property can be recognized as the personal property of the property owner at the time of divorce, and the unpaid part of the loan is the personal debt of the property owner.
Can unmarried male and female friends use provident fund loans to buy a house together?
You can't.
Provident fund loans are family-based loans. Generally speaking, only your spouse, parents and children can participate in the loan together. However, because of the relationship between men and women, we can't go through the loan formalities together.
One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
Extended data:
Workers in any of the following circumstances may apply for withdrawal of housing provident fund.
(a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof;
(two) the purchase of owner-occupied housing, provide the approval documents or other documents of the competent department of construction and land administration;
(three) renovation, overhaul occupied housing, provide the approval documents or other documents of the planning administrative department;
(4) certificates of retirement and resignation;
(five) completely lose the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;
(six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment;
(seven) to settle abroad, provide exit certificates;
(eight) accounts to move out of the administrative region of this province, to provide proof of migration;
(nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract;
(ten) to pay the rent, provide proof of wage income and housing lease contract;
(eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations;
(twelve) other circumstances stipulated by the housing provident fund management center.