If the customer does not pay the housing provident fund and wants to borrow money to buy a house, he can apply for a commercial personal housing loan. As long as the age and other aspects meet the standards, have a stable income, have the ability to repay on time, and have good credit, they can generally handle it.

Of course, the interest rate of commercial loans is usually higher than that of provident fund loans, so provident fund loans are naturally more cost-effective than commercial loans (provident fund loans implement the benchmark interest rate of central bank loans, while commercial loans are formed by adding LPR as the pricing benchmark).

If the customer is married and has no provident fund, but the spouse has it, it is actually possible for the spouse to apply for a personal housing provident fund loan as the main lender and buy a house with the spouse's provident fund.

You also need to note that even if you pay the housing provident fund, you may not be able to apply for a provident fund loan. Because one of the conditions for applying for a provident fund loan is that the continuous deposit time of the provident fund must meet the specified requirements, such as continuous deposit for more than six months, and the provident fund account is in a normal deposit state in the month of application, if it does not meet the conditions, it is naturally impossible to handle it.

What are the loan conditions of housing provident fund?

First, the loan object

In line with the "loan conditions" and the need to buy and build houses, administrative institutions and enterprise employees purchase housing reform, affordable housing, commercial housing or self-built housing in their respective jurisdictions.

Second, the loan amount and loan interest rate

The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.

Third, the loan term.

According to the remaining length of service and repayment ability of employees. The longest term of housing provident fund personal housing entrusted loan is 20 years. Employees with less than 20 years of remaining service can be relaxed for 3 years.

Four, employee loans should provide materials

(a) to apply to the housing provident fund management department, after passing the preliminary examination, send the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate;

(2) The employee shall submit the completed Application Form for Personal Loan of Cengong County Housing Provident Fund together with the following materials to the Credit Unit of the County Housing Provident Fund Management Department;

1. Two loan applications (signed by married spouse);

2. The original and photocopy of the house purchase contract or agreement 1 copy each;

3. 1 Original and photocopy of the Registration and Filing Form of Commercial Housing Pre-sale Contract;

4. Two copies of deposit receipt;

5. Two copies of the applicant's husband and wife ID card and household registration book;

6. Two originals of the income certificate of the applicant's husband and wife;

7. The original 1 copy, 1 copy and 1 copy of the applicant's personal account inquiry form for husband and wife housing provident fund (with the official seal of the bank where the account is opened);

8. The applicant should provide a copy of marriage certificate if he is married, and two copies of divorce certificate if he is divorced; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;

9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;

10. To purchase affordable housing, two copies of the approval document for construction land, construction project planning permit, construction permit, house elevation, house floor plan and approval documents of relevant government departments shall be provided.

Can I apply for a provident fund loan without a provident fund? Conditions for applying for provident fund loans

You can't apply for provident fund loans without provident fund, because the conditions for applying for provident fund loans must be that the provident fund has been continuously paid for half a year or more, and the provident fund is in a state of payment. Do not meet the conditions for applying for provident fund loans, provident fund management center will not accept.

The basic conditions for applying for provident fund loans: the borrower has full capacity for civil conduct; The applicant has a formal urban hukou or valid residence status in this city; The applicant has a stable income, good credit and the ability to repay the principal and interest of the loan; The applicant pays the housing provident fund normally before the loan, and has paid it continuously for more than half a year.

The main body of provident fund loan approval is the provident fund management center, which only entrusts banks to lend money. Therefore, the provident fund management center will tell the lender which bank to sign the contract after approval, and then the bank will transfer the loan funds to the developer's account to sign the purchase contract.

In addition to meeting the basic requirements, you need to pay 30% or more down payment yourself. Only by paying the proof of down payment can the provident fund management center accept your loan application. If the provident fund loan amount is not enough, you can apply for a commercial loan again.

How to read the mortgage credit report? Can I get a provident fund loan without a provident fund?

How to read the mortgage credit report?

1. My basic information (including real identity, married life, home address, position, etc. );

2 personal credit report summary (personal credit reminder, personal credit and default information, credit limit and debt information);

3, bank credit transaction information (asset disposal information, guarantor repayment information, loans, savings cards);

4. List of public information (records of provident fund participation and pension payment);

5. Credit inquiry records (see record summary, and for non-internet technologies, see record list).

Affect credit loans:

1, loans owed to financial institutions. Successful people who have already borrowed money from banks will have personal credit "stains" if they fail to repay in full and on time according to the terms of the contract, and it will be difficult to refinance.

2, loans overdue credit card repayment. Using credit card to swipe your card has become a way of life for everyone. If bank credit cards are overdue for many times or the amount of overdue loans is large, or personal loans and student loans applied for during college are not settled immediately within the prescribed time limit, personal housing loans and auto loans will be affected. Loans overdue is relatively easy to identify. If loans overdue has done it two or three times, it is basically a long way to go to apply for a house loan.

3, owe water, electricity, mobile phone fees. In some big cities, the payment of water, electricity and telephone charges has also been included in the personal credit report. If a person owes one or more of these fees for a long time, it will lead to a bad credit record and endanger the loan. Too much debt. Banks will also check the borrower's debt status when approving loans. If my debt is relatively high, accounting for about 70% of my salary, the bank will doubt my repayment ability and it will be difficult to apply for a loan.

Can I get a provident fund loan without a provident fund?

Without provident fund, you cannot apply for provident fund loans. Compared with commercial service loans, provident fund loans have more regulations. Customers want to successfully apply for provident fund loans, and paying personal provident fund is the most basic standard. Without provident fund, you cannot apply for provident fund loans.

Can I get a provident fund loan without a provident fund? Is the housing accumulation fund universal in China?

Can I get a provident fund loan without a provident fund?

You can't apply for provident fund loans without provident fund. Compared with commercial loans, provident fund loans have more regulations. Customers want to successfully apply for provident fund loans, and paying provident fund is the most basic standard. Without provident fund, you cannot apply for provident fund loans. Customers must meet the following requirements when applying for provident fund loans: customer's personal credit report. Customer's income is liquid. Customer debt ratio. Customer's provident fund account status. Customer's provident fund balance.

There is no outstanding provident fund loan under the customer account. Is the customer's continuous payment almost 1 year? The client's job is easy. The balance of provident fund account not only endangers whether customers can apply for loans, but also affects the loan amount that customers can apply for. Under normal circumstances, the credit limit of provident fund loans is 20 times of 10- provident fund balance. If the customer pays the provident fund and plans to use it to buy a house in the future, try not to touch the assets in the provident fund account.

Is the housing accumulation fund universal in China?

From July 1 2065438, according to the deployment of the Ministry of Housing and Urban-Rural Development, the housing provident fund management offices all over the country will handle the business process of housing provident fund transfer and connection in different places through the platform in accordance with the provisions of the National Operating Rules for Housing Provident Fund Transfer and Connection in Different Places promulgated by the Ministry of Housing and Urban-Rural Development. At present, the relevant departments are accelerating the national data platform for the transfer and connection of housing accumulation funds in different places, which will be released before the end of June this year. After that, it will realize that "accounts go with people and money goes with accounts", and it is estimated that the number of beneficiaries of this measure will be higher than 654.38+300 million.

Will the common provident fund affect the real estate market?

After the data of housing provident fund in all parts of the country are enjoyed, the provident fund can flow smoothly throughout the country. The platform is really convenient for employees to handle business in the housing provident fund management office of the transfer-out place on the principle of proximity, so as to avoid employees running back and forth between the transfer-out place and the transfer-in place. Secondly, it shortens the service inquiry time, simplifies the handling procedures and improves the transfer and connection efficiency.

Thirdly, standardizing the business process of housing provident fund transfer in different places, ensuring the accurate information content and property safety of employee housing provident fund accounts in the process of transfer in different places, is helpful to continuously calculate the payment period of employee provident fund. With the acceleration of new urbanization, some human capital began to flow to third-and fourth-tier cities. Once the service platform for housing provident fund transfer in different places is opened, first-tier cities will facilitate the transfer of housing provident fund to other regions. Coupled with the advantages of local housing price policy and housing price, it is conducive to improving the purchasing ability of depositors and improving the utilization efficiency of housing provident fund.