The provident fund can be loaned twice, but the provident fund loan can only be loaned once at the same time, and the next loan can only be made after repayment.
1. Generally, it is stipulated that if a family buys two houses with provident fund, they can no longer use provident fund loans, which means that provident fund loans can only be borrowed twice at most.
2. Generally speaking, the provident fund management has certain provisions on the down payment ratio of different houses. For example, Beijing provident fund management regulations, the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which is in line with relevant regulations (below 90 flat) 20%; The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, more than 80%; The second suite can borrow 30%, and the third suite can stop lending.
3. As long as the provident fund loan used for the first house purchase is paid off, whether your house is sold or not, you can use the housing provident fund loan for the second time, but the amount of the provident fund loan used for the second time is 654.38+ 10,000 less than that used for the first time, and the down payment for the second house purchase loan must be no less than 40% of the total house price.
How many times can the provident fund be loaned?
Legal analysis: housing provident fund loans can be loaned twice at most, and housing provident fund loans can only be loaned once at the same time. If one of the husband and wife has applied for a housing provident fund loan, neither party may obtain a housing provident fund loan until the principal and interest of the loan are paid off. A family (including singles) can only use the housing provident fund loan twice to buy self-occupied housing; Family members and their spouses have used housing provident fund loans before or after marriage, and two or one of them has used them twice, so they will not accept the third loan.
Provident fund loan steps:
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the houses traded in Shu Hui to determine the loan amount and the value of the houses (mortgages) traded by both parties.
Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Confirmation Form for Pre-examination of the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.
2. Employees who need to apply for loans and are ready to apply for second-hand housing loans should submit the Borrower's (spouse's) wage income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction. Business personnel shall examine and confirm whether the employee housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods include stage guarantee, mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If you choose to apply for a second-hand housing loan by installment guarantee or mortgage, you should hand over the other house ownership certificates to the entrusted bank for collection before the borrower goes through the mortgage registration formalities of the purchased house.
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How many times can I borrow provident fund loans?
Provident fund loans can be loaned twice. However, it should be noted that at the same time, provident fund loans can only be loaned once. After the borrower pays off all the debts, the user can apply for provident fund loans again. It has to be mentioned that if family members and their spouses use housing provident fund loans before or after marriage, and two or one of them has used them twice, the third loan will not be accepted. Users who want to use the provident fund loan again must settle the original loan of the first suite. Moreover, under the background that the purchase restriction has not been liberalized, local people can only buy two sets of houses by family, so the buyers who buy the third suite will be stopped from lending.
1. The borrower has legal status and full capacity for civil conduct.
2. The lender has a stable source of income, a stable occupation, the ability to repay the principal and interest of the loan and the willingness to repay.
3. The lender has a good credit record and no bad repayment record.
4 provident fund loans for the purchase of houses, can also be rebuilt, or self-occupied housing overhaul.
5. When purchasing non-policy housing, the provident fund account must be paid in full for more than 12 months, of which 12 months, and the provident fund account is in the state of payment.
6. To purchase policy-oriented housing audited by government departments, the provident fund account must be paid in full for 6 months continuously, and the personal provident fund account has been registered for 12 months, and the provident fund account is in the state of payment at the time of loan.
7. In other cases, you can consult the customer service of the provident fund in advance.
Summary: provident fund loans can be used twice, mainly because if used twice, the user's third application will not be accepted. The loan application conditions for the first and second use of provident fund loans are different from those for commercial loans. Provident fund loans can be applied for countless times, but banks will review them according to the actual situation.
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How many times can I use the provident fund loan?
The provident fund loan can only be used twice, and the second provident fund loan needs to be applied after the first provident fund loan is paid off, that is, the loan can only be made once at the same time, and the next loan can only be made after the repayment is completed. Provident fund loan interest rate is low, which is very advantageous. If you buy a house with a loan, you must seize the opportunity.
The process of buying a house with a loan
1, to understand the credit situation.
First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Step 2 know the bank
Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.
3, prepare the information needed for the loan
(1) ID card. If you are married, you need the ID cards of both husband and wife. Of course, if it is a joint name, you need more ID cards.
(2) household registration book. Note that in some banks, if you are not the head of the household, you should copy the information page and registration card of the head of the household;
(3) Marriage certificate, i.e. marriage certificate, divorce certificate, etc.
(4) The work certificate shows that some banks have certain formats or certain elements, so you should ask the banks clearly;
(5) proof of income, the average bank will require that the monthly income is more than twice the monthly payment;
(6) Document retrieval certificate. This file search certificate is to go to the housing management department to check whether you have a house ownership record, that is, to check whether there is a house under your name, which should be handled by the housing management department itself;
(seven) other information required by the bank.
4. Sign a loan contract
Meet the loan conditions, buyers will go to the sales office where their favorite house is located, sign the sales contract, pay the down payment, and prepare the materials needed for the loan to apply for a loan. The next step is to sign a loan contract with the bank, pay various fees, and handle mortgage and insurance. This step is time-consuming and the bank needs to review it. How long will it take? Every place and bank are different.
After that, the buyers need to wait for the notice to go to the bank for face-to-face signing, and wait for the bank to verify the materials. After verification, the bank will inform the buyers to take the materials to the Housing Authority for mortgage. After accepting your application, if the information is incomplete or insufficient, the bank will ask you to provide supplementary information.
Step 5 wait for a bank loan
Some banks need customers to apply for loans again. After the loan is finished, remember to ask the bank for a loan contract and loan note of your own. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.