Legal analysis
You can't withdraw the provident fund when you buy a villa. According to the regulations of the Housing Provident Fund Management Center, villas, garages and shops are clearly not allowed to use provident fund loans. Usually, if you buy a parking space, garage, shop or villa, you can't apply for a housing provident fund loan or withdraw the housing provident fund. However, in the provident fund operating system, new townhouses with housing and existing second-hand townhouses can use provident fund loans.
Personal recommendation
Houses that can apply for provident fund loans or withdrawals:
1, commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center);
2, the current housing (that is, housing reform to buy property rights);
3. Second-hand houses (stock houses are listed and traded);
4. Houses without property rights (must be mortgaged by the ownership of their own or third-party houses);
5 auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center).
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Personal housing provident fund loan processing flow:
1. accepted. If the application materials are complete and conform to the statutory form, the business handling personnel shall accept them.
2, review, review the application materials, qualified through the review.
3. Decide that if the application materials submitted by the applicant are complete and conform to the statutory form, they shall be settled within the promised time limit.