Provident funds can be used as loans, and the advantages of provident fund loans are simple procedures, fast lending and low interest. 1. With provident fund and social security, you can make a credit loan, with a monthly payment of more than 400 yuan and a maximum loan of 1 10,000, with an annual interest rate of 7.8%, which is convenient and quick, and you can lend money in one week. You can borrow it for up to five years. The process of provident fund and social security loan is: there are ID card photos, social security photos and provident fund photos, and then the loan amount can be determined. After the quota is determined, prepare materials: ID cards, household registration books, marriage certificates, social security cards and provident fund cards of both husband and wife, and the loan can be released within one week. The data preparation is simple, and there is no need for running water and credit reporting.

Second, Beijing provident fund loans.

Beijing provident fund loan policy: employees who have paid housing provident fund in Beijing can apply for housing provident fund personal loans if they buy self-occupied housing in Beijing and meet the deposit conditions, and both husband and wife have no outstanding housing provident fund personal loans and housing provident fund policy discount loans. Among them, the deposit of housing provident fund must meet one of the following three conditions: (1) If you purchase policy-oriented housing, you should establish a housing provident fund account for more than 12 months (inclusive), and pay in full for 6 months before applying for a loan, and you are in the state of payment when applying for a loan. (2) If you purchase non-policy housing, you should set up a housing accumulation fund account for more than 12 months (inclusive), and deposit it in full for 12 months before applying for a loan, and it is in the state of deposit when applying for a loan. (3) Retired employees who have paid housing provident fund in the management center during their work can also apply for provident fund loans. According to the law, employees can withdraw the storage balance in the housing provident fund account in any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Three. Beijing provident fund loan amount

The upper limit of Beijing provident fund loan is 800,000. If you have a housing loan record, or you have a house under your name now, you can only borrow 800,000 yuan to buy this set at present.

2. Article 24 of the Act

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of its own housing;

(2) retirement;

(three) completely lost the ability to work, and with the end of the unit.

(four) to foreign countries, Hong Kong and Macao.

(five) to repay the principal and interest of housing loans;

(six) has been included in the minimum living guarantee for urban residents in this city and has been paid.

(seven) the employee was sentenced to punishment during his employment, and the employee housing provident fund was transferred to the centralized storage account for two years, but he has not been re-employed, and the employee's household registration has moved out of this city, and the non-local household registration employee has divorced.

4. Can Beijing buy a house without provident fund?

You can also buy a house without paying the housing provident fund loan, as long as the customer meets the following conditions:

1, age 18 years old or above (inclusive)

Only natural persons with full capacity for civil conduct are eligible for loans.

2. Have a valid residence status in the local area and be an operator.

Comply with local housing policies

1) You can provide permanent residence booklet or temporary residence permit to prove your residence status.

2) The conditions for buying a house in different cities may be different. For example, non-Beijing families can only buy a house in 1 if they have no house in Beijing and have paid social security or individual tax in Beijing for five consecutive years.

3. Good personal credit

There is no bad record or serious negative information in the credit report.

4. Have a stable and legal source of economic income.

Can provide sufficient economic income, assets and financial information to prove that it has the ability to repay the loan principal and interest on time.

5. The down payment of the house reaches the proportion stipulated by the bank.

Different places and banks may have different ratios. Generally, the minimum down payment for the first home loan is about 30% of the total house price; According to the regulations of the State Council, the minimum down payment for the second home loan should not be less than 40% (all localities and banks will make some floating adjustments on this basis, so the down payment for the second home loan in some cities needs 50% to 60%, and some even reach 70% to 80%).

Those who meet the above conditions can apply for commercial loans to purchase houses according to the following procedures.