Residents have been waiting for answers to a series of questions about Huainan housing provident fund loans. Here are a few cases to answer your question.

The case questions are as follows:

1. How long does it take to apply for a loan after paying the provident fund (my wife has paid for 8 months, and I have paid for more than two years).

2. Whether to apply for a loan after paying the down payment, or wait for the real estate license before applying for a loan.

3. When paying the down payment, should I write a person's name or my wife's and mine?

Answer:

1. You can apply for provident fund loans after one year.

2. You must go through the loan formalities with the down payment certificate.

3. If you are married, write the name of one person, and the same person applies for provident fund loans, and the property rights belong to both husband and wife. If both of them have been over one year, they can apply for provident fund loans at the same time to reduce interest expenses.

(The above answers were posted on 2013-10-10. Please refer to the actual situation for the current purchase policy. )

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