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Because the interest rate of provident fund loans is low, many people will use provident fund loans. Recently, a friend asked the editor whether singles can get provident fund loans. Taking out a loan to buy a house? Today the editor will answer the question for you. Friends who want to know may wish to join the editor to see what materials are needed to buy a house with a provident fund loan!

1. Can a single person use a provident fund loan to buy a house?

A single person can use a provident fund loan to buy a house. Buying a house with provident fund has no substantial connection with an individual’s marital relationship, so as long as you meet the loan conditions of the local provident fund, you can get a loan to buy a house.

2. What materials are needed to buy a house with provident fund loan

First-hand house:

1. The lender and *** apply together The original and copy of the valid resident ID card of the borrower or guarantor, the original and copy of the household registration book, and the letter of commitment to repay the loan;

2. Proof of the lender’s marital status, if married If you are single or divorced, you need to provide a marriage certificate and a copy. If you are single or divorced, you need to provide relevant certificates from your employer or local police station;

3. Legal commercial housing purchase contract;

4. Personal credit report certificate provided by the lender and the employer where the applicant works;

5. Valid receipt or invoice for the payment of no less than 30% of the house price;

6. Valid proof of guarantee;

7. If you purchase a house off-plan, you must also sign a mortgage agreement with the real estate developer and an entrusted bank. The lender can apply for a provident fund loan through the mortgage bank. related procedures.

Second-hand houses:

In addition to the above materials, you also need to provide:

1. The original and copy of the seller’s ID card and household registration book;

2. Original and copy of the real estate certificate;

3. House evaluation report issued by an evaluation agency recognized by the local provident fund department;

4. A three-party agreement signed by an intermediary agency recognized by the provident fund department;

5. Mortgage registration shall be handled by the real estate trading department at or above the district level.

The editor summarizes: The above is what the editor has shared with you. Can a single person buy a house with a provident fund loan and what materials are needed to buy a house with a provident fund loan. I believe that you will have a corresponding understanding after reading the above sharing. If you need For more relevant information, please continue to pay attention to the Qijia.com website.

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