The provident fund is out of supply and cannot be loaned. Everyone knows that buying a house with a housing provident fund loan is much cheaper than other ways, so the housing provident fund must be paid on time. Moreover, the loan conditions of housing provident fund also clearly point out that to use housing provident fund loans, it must be paid for six months in a row, so everyone should pay attention to the payment of housing provident fund. Loan conditions of housing provident fund First of all, the annual interest rate of housing provident fund loans is much cheaper than that of other lending institutions, which also attracts many people to use housing provident fund loans. However, the basic condition of housing provident fund loans is to pay for six months in a row, and you can't stop paying halfway. If you want to borrow money in the future, you must pay it back for another six months before you can apply for a loan.
Second, can you still borrow money after the provident fund is cut off?
You can't apply for a provident fund loan if the provident fund is broken. What conditions do individual housing provident fund loans need to meet? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
3. Can I still get a loan after the housing provident fund is cut off?
The provident fund is out of supply and cannot be loaned. Everyone knows that it is much cheaper to buy a house with a housing provident fund loan, so the loan conditions of the housing provident fund also clearly point out that if you want to borrow, you must pay for it for six months in a row, so everyone should pay attention to the payment of the provident fund.
Provident fund loan conditions
First of all, the annual interest rate of housing provident fund loans is much cheaper than other lending institutions. The basic condition of this kind of loan, but the housing provident fund loan, is paid for six months in a row, and the loan cannot be stopped halfway. If you want to borrow money in the future, you must pay it back for another six months before you can apply for a loan.
4. Can I still get a loan after paying the provident fund for one year?
No, you can't apply for a provident fund loan after the provident fund loan has been suspended for one year. To apply for a provident fund loan, first of all, the individual housing provident fund account needs to be in a normal state of deposit, and the provident fund account is in a state of suspension for one year, which will definitely not meet the loan conditions; Secondly, to apply for provident fund loans, you need to pay the provident fund in full for more than 6 consecutive months, and obviously you are not eligible for loans after stopping paying 1 year.
If you want to apply for a provident fund loan after the provident fund loan has been suspended for one year, you need to renew the provident fund loan and meet the basic conditions of the above two provident fund loans before you can apply for a provident fund loan at the local provident fund management center. It should be noted that if users have applied for provident fund loans before or have settled their accounts and applied for provident fund loans twice, they cannot apply for provident fund loans again. If the provident fund loan has not been settled, he can only apply for the provident fund loan after paying off the last provident fund loan.
Buying a house with provident fund loans is more cost-effective than buying a house with commercial loans, because the loan interest rate of provident fund loans is relatively low, and the loan interest required for handling loans is much lower than that of commercial loans. Therefore, as long as there is provident fund when buying a house, provident fund loans will basically be the first choice.