Legal analysis: No, the housing accumulation fund can only be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes. So it can't be used to buy a parking space.
Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes.
Can I get a loan to buy a parking space?
Of course. 1. At present, the parking loan business launched by the bank is only for customers who have applied for first-hand housing loans in the bank, and the loan interest rate is implemented according to the consumer loan interest rate for the same period. However, different banks have different regulations on parking loan business. 2. "Consumption in advance" has become a very common thing, and buying a car by loan has naturally become the mainstream car buying mode. Because I spend other people's money in advance to improve my life. Then, the loan to buy a car should take into account: ① Never ignore the inflation problem, and calculate the currency depreciation brought by inflation; After the down payment is over, use the remaining money to raise money.
3. Can I get a loan to buy a parking space?
Knowing that you can get a mortgage loan without buying a parking space 201February 10 Chengdu Business Daily Electronic Edition Nowadays, more and more families have bought private cars. It's easy to buy a car, but the parking space is getting tighter and tighter, and the price is rising day by day. A standard parking space is more than 6,543,800 yuan, which is undoubtedly a big expense for many people who just bought a new house. Yesterday, Chengdu Business Daily reporter learned from China Bank, China Construction Bank, China Merchants Bank, CITIC, Shenzhen Development Bank and other commercial banks in Chengdu. In fact, you can also buy a car parking space by mortgage loan, with the longest term ranging from 3 years to 20 years, and the execution interest rate will usually rise by at least 65,438+00% compared with the benchmark interest rate in the same period. Parking spaces are bullish, and new owners are under great financial pressure. Lao Du bought a commercial house in the south of Chengdu at the end of 20 1 1 at a total price of 1 ten thousand yuan. He finally finished the down payment and mortgage loan, and there is one more thing that puzzles him: parking spaces. Lao Du is doing marketing in the company, always running around. In order to facilitate business talks, he bought a car more than two years ago, but it is not enough to have a car. Where will the car park after moving into a new house? Find out from the developer that the asking price for a standard parking space in his house is 1.4 million yuan, and there is no discount. More importantly, the number of parking spaces and houses in the community is planned according to the standard of 0.7: 1, so it may be too late to buy them. Old Du Chou is in love. If you don't buy it, it will be a problem to go home and park in the future; It is difficult to pay 6.5438+0.4 million yuan at a time. Just when Lao Du was worried, a friend told him that in view of his situation, some banks have started mortgage loans for parking spaces. "Just like buying a house with a loan, you don't have to pay so much money at one time." The loan interest rate of both models will rise. Chengdu Business Daily reporter learned yesterday that the banks that have started the parking space loan business are mainly divided into two categories: one is the matching loan for bank mortgage to buy commercial housing, and the other is the pure consumer loan. Yesterday, Chengdu Business Daily reporter learned from Chengdu Branch of Shenzhen Development Bank that the bank launched a consumer-oriented loan product at the beginning of this year, including parking space mortgage. The person in charge of its personal loan center said that the maximum amount of such loans does not exceed 500,000 yuan, and the fixed term is controlled at 12 months, 24 months or 36 months. According to reports, borrowers who want to apply for loans must live in Chengdu in principle, be over 25 years old, and earn more than 5,000 yuan a month before tax. According to reports, the whole financing cost is expected to be around 10% per year. In another medium-sized joint-stock bank, the person in charge of its personal business department also confirmed to the Chengdu Business Daily reporter that it can apply for parking space loans. It is said that similar to SDB, the bank also accepts personal comprehensive consumer loans, with the longest service life of 10 year and the interest rate rising by at least 20%. "The borrower's income level and repayment willingness are the focus of our investigation." Different from these two banks, Bank of China, China Construction Bank, China Merchants Bank, CITIC and other four banks are mainly supporting loans when purchasing commercial housing by mortgage. The relevant person in charge of the Personal Finance Department of Sichuan Branch of Bank of China said that when applying for personal housing loans, customers can apply for parking space loans at the same time, "the longest period can be the same as housing", and the acceptance qualification is also implemented with reference to the loan purchase standards. The relevant person in charge of Sichuan Branch of CCB said that the parking space mortgage loan is only issued for buildings that have cooperative relations with CCB, "only owners can apply", the longest loan is 10 year, the down payment is 50%, the interest rate is not lower than 10%, and the borrower's basic requirements are the same as mortgage purchase. The person in charge of the personal loan center of Chengdu Branch of China Merchants Bank said that the longest loan period of the bank's personal parking space is 10 year, and the interest rate has risen by more than 30%, with a total amount of less than 500,000 yuan. "The property purchased by the car must have a cooperative relationship with us, and each suite can borrow money to buy a parking space." A person from the personal loan center of Chengdu Branch of CITIC Bank told Chengdu Business Daily that they only provide loans for supporting parking spaces for the bank's housing mortgage customers, and a set of housing can be loaned to buy two parking spaces. It is said that if loans are issued in combination with housing, the loan ratio is the same as that of mortgage purchase; If it is distributed separately, the maximum loan will be 70% for 20 years. "The interest rate of parking space loan is not lower than the interest rate of purchased commercial housing."
4. Do I need to check my spouse's credit information to buy a parking loan?
need
The bank will borrow money to buy a parking space.
If your spouse has a lot of bad records, even if you only buy a house and a car in the name of husband and wife, even if the lender has a good credit record, you even doubt the applicant's repayment ability.
The bank will refuse to lend money if it has been overdue for more than six times before, or if it has been overdue for more than three times in a row.