Singles can apply for housing provident fund to buy a house. Conditions for applying for provident fund loans: 1, employees with urban permanent residence or valid residence identification; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
I want to ask if I can use the housing provident fund loan if I am unmarried.
Unmarried people can use housing provident fund loans. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Before applying for a loan, you must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan before you can use the housing provident fund loan.
According to Article 3 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees.