Buying a house has always been a topic that China residents often talk about. Nowadays, high housing prices are well known. Therefore, more and more buyers can only buy houses through loans. Many people like to apply for provident fund loans because they save interest. However, not all houses can use provident fund loans. Once you buy some special houses, you can't use provident fund loans even if you pay enough provident fund.

First, small property houses.

If you want to apply for a provident fund loan, then Bian Xiao suggests that you don't buy a small property right house. Because small property houses only have the property right certificate issued by the township government, there is no property right certificate issued by the state, so legally speaking, small property houses are also commonly known as "township property houses".

Of course, there are also property buyers who say that they don't need real estate licenses, but do you know? It is precisely because there is no title certificate for small property houses that the housing provident fund management center does not recognize small property houses and naturally cannot use housing provident fund loans.

Second, public housing.

It is easy to understand that houses belonging to the public, such as houses under the names of public schools and hospitals, are public houses. Regarding the listing of public houses, Bian Xiao needs to make it clear to everyone that no matter you are an individual or an enterprise or institution, you have no right to dispose of public houses for any purpose.

In other words, even if you spend a lot of effort to buy public houses, you can't use provident fund loans, so no matter how cheap public houses are, no one should buy them.

Third, illegally built houses.

According to China's relevant laws and regulations, illegally built houses can be demolished at any time, not to mention buying houses with provident fund loans. Therefore, when buying a house, we must pay attention to the developer's five certificates, because if the developer's five certificates are incomplete, the house they built is essentially an illegal building.

Fourth, there is no housing property right certificate.

The title certificate is the only proof of the ownership of the house. After buying a house without a property right certificate, how can the bank judge whether the house is yours or not? In addition, since you are not sure about your fixed assets, the bank will naturally not lend you money. Therefore, houses without property certificates cannot use provident fund loans.

Fifth, the house area is too large.

In fact, the reason why the state launched the housing provident fund was originally as a welfare policy for employees, and its original intention was to meet the housing needs of people who just needed it. The purchase area of people who just need it is often around 90 square meters. If the house you buy is too big and beyond the scope of ordinary commercial housing, you can't buy a house with a provident fund loan.