The provident fund plays a great role and can be used to borrow money to buy a house. Can I still get a loan after the housing provident fund is withdrawn? PChouse, let's take a look.
After withdrawing the provident fund, you can borrow money. Only the provident fund has been withdrawn, and the provident fund loan is useless. This situation can be handled according to the standard of provident fund loan for the first suite, but since the provident fund has been withdrawn, its account balance will be small, which will affect the amount of provident fund loan.
You can still borrow money after withdrawing the housing provident fund, but you can't use the balance in your account to pay the down payment when applying for the housing provident fund. Whether you can use provident fund loans depends on the relevant policies of real estate. Generally speaking, the provident fund can only be used for loans, not for down payment. You can also use your own purchase activities or other supporting materials to extract after buying a house for repayment.
Can I buy a house with a provident fund loan after withdrawing the provident fund?
First, whether provident fund loans can be used after the withdrawal of provident fund.
It is understood that whether to withdraw housing provident fund has no effect on provident fund loans. As long as the deposit is normal and meets the conditions of local provident fund loans, you can apply for local provident fund loans to purchase houses.
Although the withdrawal of provident fund does not affect the number of provident fund loans, it also affects provident fund loans; The most direct thing is to affect the amount of provident fund loans.
Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can reach 600,000, which does not exceed 70% of the total house price, and the amount within 90 square meters does not exceed 80%; The maximum amount of the second housing provident fund loan is 600,000 yuan, after deducting the difference after the first use of the housing provident fund loan. And no more than 40% of the total house price.
At the same time, the applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. In other words, the applicant does not have enough money to pay the down payment and needs to withdraw the balance in the provident fund account to pay. Applicants can only borrow money from relatives and friends to pay the down payment, get relevant documents to apply for a loan, and then withdraw the balance from the provident fund account to repay the loan.
2. What are the conditions for housing provident fund withdrawal?
1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.
2. Retired workers;
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 house purchase loan;
6, the rent exceeds the prescribed proportion of family wage income;
7. The employee dies or is declared dead.
Third, the provident fund loan process
1. The purchaser shall apply for a loan application form at the housing provident fund management core with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required.
2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.
3. Materials to be submitted by the applicant: application form for housing provident fund loan, 4 originals and photocopies of commercial housing sales contract, 6 copies of house sales approval, 6 copies of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card/kloc-,0 copies of husband and wife household registration book/kloc-,and 2 copies of marriage certificate or single certificate.
4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.
When I bought the first suite, I withdrew the provident fund. Is it a provident fund loan?
No, withdrawal of provident fund and provident fund loan are two different things! Withdrawing the provident fund means taking out the money from the provident fund account after buying a house. The money originally belonged to you, so you don't need to pay it back. Provident fund loan refers to the deposit of housing provident fund, which meets the conditions for applying for the use of provident fund. After the loan, it needs to be paid back every month until it is paid off.