Legal analysis
The time to apply for the loan matches the time to sign the contract. If you buy an auction house now, it is not an existing house. After signing the contract, you must apply for a provident fund loan; Moreover, unlike commercial loans, provident fund loans can be relaxed as long as they meet the procedures. If you borrow the provident fund, you must repay the loan in full at least half a year later, waiting for the approval procedures of the provident fund audit center. Generally, you can use the provident fund after half a year. After paying the down payment, the time to apply for provident fund loans will be delayed: it is necessary to combine the purchase contract signed with the developer or the original owner, and the purchase contract should have the requirement to complete the loan approval or pay the final payment of the house within a specific time. If it is a first-class property, just wait for the developer to inform you. If it is a second-hand house, you can apply for a loan at any time after signing the purchase contract. How long at the latest depends on whether the buyer and the seller are bound in the purchase contract. If they don't have time in the short term, this can be discussed with each other. If it's nothing, you can deal with it as soon as possible. Now the policy is unstable, the sooner the better. In fact, the time for handling the loan is not required by the bank, but depends on the buyer and the seller. The application conditions of provident fund loan are: permanent residence in the town where the loan is located, and valid residence certificate can be provided; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the accumulation fund can not be less than 12 months; The self-raised funds of the first suite are 2 1 13 yuan, accounting for more than 30% of the total house price, and the first home loan below 90 square meters is only 20%; The borrower has a fixed monthly salary and a clear intention to repay the loan; Signed a purchase contract or contract with the house sales office.
legal ground
Regulations on the administration of housing provident fund
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.