Everyone knows that people who buy the first suite still have preferential policies. At present, many cities have limited purchase policies, mainly aimed at some people who buy houses and speculate in real estate, but the restrictions on some friends who buy the first suite are not very targeted. Among the ways to buy a house with loans, provident fund loans are the most popular. Can I use the provident fund to buy a second house?

As we all know, people who buy the first suite still have preferential policies. At present, the purchase restriction policies in many cities are mainly aimed at some people who buy houses, houses and real estate speculation, and the restrictions on some friends who buy the first suite are not very targeted. Provident fund loan is the most popular way to buy a house. So can you use the provident fund to buy a second house? How to judge the second suite?

Second, what is the use of housing provident fund when foreigners restrict purchases in local cities?

If you can pay the housing provident fund locally, you should also pay social security, which should meet the conditions for buying a house.

Third, the property market is restricted from buying a house. How to use the limited loan provident fund?

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1. Basic function of provident fund: buying a house.

1. If you apply for a provident fund loan to buy a house, you can withdraw the provident fund to repay the principal and interest;

2. To apply for a commercial loan to buy a house, you can withdraw the provident fund as the down payment for buying a house, or you can withdraw the provident fund to repay the principal and interest;

3. if you don't need a loan deposit in the process of buying a house.

Second, children can withdraw their parents' provident fund when buying a house.

No, the provident fund can also be used to buy a house for children.

1. If you apply for provident fund housing loan for self-occupation, you can repay the principal and interest;

2. If you apply for a commercial loan to buy a house, you can withdraw your parents' provident fund as a down payment.

Three, major diseases can be extracted from the provident fund.

In case of serious family illness, employees themselves and their spouses can apply for withdrawal of provident fund.

The following two points are needed here:

1, and the application date should be within 1 year from the discharge date;

Personal burden of hospitalization expenses.

Four, the cancellation of the account can withdraw the provident fund.

The following balance:

1, agricultural registered workers are over 60 years old for men and over 55 years old for women.

2. Retirement and resignation can apply for withdrawal of provident fund;

3, completely lost the ability to work, most of them lost the ability to work or severely disabled and with the unit.

4. Leave the mainland and stay outside.

5. The original unit terminated the labor.

6. The housing provident fund account has been transferred to the centralized storage account for 2 years;

7. Receive unemployment insurance benefits;

8, was sentenced to punishment, the account moved out of the city, not the employees of the city account;

9. Work outside the administrative area of this Municipality and establish and deposit housing provident fund locally.

Five, low-income or poor families can

If the employee is included in the subsistence allowance or withdrawn from the provident fund, but the amount withdrawn cannot exceed the scope of the subsistence allowance or special hardship assistance.

Six, construction, renovation and overhaul

Rural collective land renovation, construction or overhaul of self-occupied housing, you can apply for withdrawal of provident fund, but the total withdrawal does not exceed the cost of housing construction.

Seven, rental housing can be extracted from the provident fund.

1, affordable housing can be withdrawn from the provident fund;

2, ordinary residential rental can apply for extraction.

Fourth, the property market is restricted from buying a house. How to use the limited loan provident fund?

The main purpose of the provident fund is to buy a house. When buying real estate, you can directly withdraw the original provident fund and deposit it in the subsequent provident fund to repay the mortgage. The specific amount and interest rate can refer to the local loan policy, or consult the local provident fund management department and the personnel department of the unit.

For many people, especially in hot cities such as Beijing, Guangzhou and Shenzhen, the pressure brought by rent is not small. And with the rise of housing prices, rents are also rising, and it is also a lot of money all year round. Tenants can apply for withdrawal of provident fund to pay rent and reduce the pressure of life. Provident fund can not only use rent or government rent subsidies to pay the rent of economic rental housing, but also pay the rent of market rental housing, so that you don't have to worry about rent anymore!

Housing provident fund can also be used when we decorate, which many people may not be clear about. You can apply and consult at the housing provident fund offices in various regions. Even if you can't buy a new house at present, decorating the existing house will give people a feeling of living in a new house. And now the decoration cost is not low, and the use of provident fund will reduce a large part of the cost. While improving the quality of housing, it can also affect the existing quality of life as much as possible. In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, workers and their spouses can apply for withdrawal of provident fund amount before the month of approval for housing construction, and the total withdrawal amount shall not exceed the cost of housing construction.

Besides, accidents in life are inevitable. If a living family member suffers from a serious illness or needs to be hospitalized for a major operation, both my spouse and I can apply for withdrawing the provident fund to pay for medical expenses, and the application time can be within one year from the date of hospitalization. Therefore, under the dual protection of medical insurance and provident fund, the burden of medical expenses has also been greatly reduced. But also included in the minimum living guarantee or poor relief for urban residents, my spouse and I can apply for withdrawal of housing provident fund.