No, applying for provident fund loans should meet the following basic conditions:
Having full capacity for civil conduct;
Proof of provident fund deposit (or housing provident fund card);
Identity cards, household registration books and proof of marital status of the applicant and spouse;
If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;
Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;
When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;
It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.
The first provident fund has not been paid off. Is it the first set bought by a commercial loan?
The first home provident fund loan has not been repaid, and the user bought it again. It belongs to the second suite to apply for a mortgage. At this time, you can't apply for provident fund loans, but you can apply for commercial loans normally. When the second suite applies for a commercial loan, the cost of buying a house will increase, because the LPR interest rate of the second suite will rise more, and users need to pay more loan interest to get a loan.
As for the third suite, users can't apply for provident fund loans, but only commercial loans, so the first two suites can still get some discounts when applying for provident fund loans.
Different regions have different policies for applying for provident fund withdrawal. For details, please consult the local housing provident fund management center, and the process published by the provident fund center in official website shall prevail.
Tips: The above contents are for reference only.
Reply time: 202 1-08- 10. Please refer to the latest business changes announced by Ping An Bank in official website.
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The first set of provident fund has not been returned, can the second set be loaned?
No The loan conditions for the second set of housing are: the housing provident fund has been paid normally for more than 6 consecutive months (inclusive), and the provident fund has not been withdrawn to pay the down payment, and there is no balance of provident fund loans. Therefore, employees who have applied for and applied for housing provident fund loans can apply for housing provident fund loans again as long as they settle the loans.
What information do you need to apply for second-hand housing provident fund and personal housing loan?
(1) Information and copies to be provided by the buyer:
1, original and 3 copies of the second-generation ID card or military officer's card.
2. Original and 2 copies of the household registration book (home page and applicant's home page).
3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).
4. The original 1 copy and the copy 1 copy of the qualified house sales contract or agreement.
5. The original and 3 copies of the down payment receipt and credit card POS or cash receipt.
6. The original and two copies of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print two copies of the inquiry results of family housing registration records at the consultation counter of the urban management department).
7. Entrusted Deduction (Repayment) Account: 2 originals and photocopies of the savings card or passbook of the loan handling bank selected by the main borrower.
8. Proof of income: For customers who have not paid the housing provident fund, they must provide 2 originals of proof of income (downloadable from the website of the center), with a copy of 1 copy; Among them, customers with a monthly income of more than 3,500 yuan are required to provide the original 1 copy of the bank running water or 1 annual tax payment certificate, and the copy 1 copy.
9. Proof of deposit: Employees who have paid the housing provident fund in provincial sub-centers and petroleum sub-centers must provide the deposit details and the original deposit certificate (deposit inquiry form) and a copy of 1 in the housing provident fund account of their sub-centers in the past six months, and the housing provident fund account status should be normal.
Legal basis:
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.
Brief summary:
The first set of provident fund has not been returned, can the second set be loaned? No The loan conditions for the second set of housing are: the housing provident fund has been paid normally for more than 6 consecutive months (inclusive), and the provident fund has not been withdrawn to pay the down payment, and there is no balance of provident fund loans. Therefore, employees who have applied for and applied for housing provident fund loans can apply for housing provident fund loans again as long as they settle the loans.
The provident fund loan for the first suite has not been repaid. Can I get a loan for the second suite?
The first suite applied for provident fund loan, and the provident fund loan was not settled, so the second suite could not apply for provident fund loan. If the second suite applies for a commercial loan, regardless of whether the first suite provident fund loan has been settled, the user can apply for a loan normally, but the bank will focus on reviewing the user's debt ratio and repayment ability. Article 2 of the Notice on Issues Related to Individual Housing Loan Policy applies for housing provident fund entrusted loans to employees' families who own/kloc-0 apartments and have settled the corresponding housing loans, and the minimum down payment ratio is 30%.
The provident fund loan for the first suite has not been repaid. Can I get a loan for the second suite?
The first suite applied for provident fund loan, and the provident fund loan was not settled, so the second suite could not apply for provident fund loan. The second suite applies for a commercial loan, so users can apply for a mortgage normally regardless of whether the provident fund loan of the first suite has been settled. Only the last mortgage has not been paid off, and the bank will try to re-examine the debt ratio and repayment ability of nuclear users.
Therefore, the first suite has not settled the mortgage, and it is ok for the second suite to apply for a commercial loan, but the loan interest rate will rise more.
The first suite provident fund has not been paid off, can the second suite still get a loan?
China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.