If you continue to pay the housing provident fund for more than one year, you can use the housing provident fund for housing loans. For borrowers who purchase ordinary self-occupied housing for the first time and have two or more people participating in the loan, the maximum loan limit per household is still 600,000 yuan. If you purchase ordinary self-occupied housing for the first time and the per capita housing area is lower than the average level of this city to buy a second set of ordinary self-occupied housing, the minimum down payment ratio of housing provident fund loans will continue to be no less than 20% of the total purchase price, and in other cases, the minimum down payment ratio of provident fund loans will be no less than 30%.
Housing loan application conditions/kloc-a natural person with full civil capacity, valid ID card, residence certificate, income certificate, no bad credit record and 0/8 ~ 65 years old. The sum of the applicant's age and loan term is no more than 70 years, his income is stable, he has the ability to repay the principal and interest with compensation, he has a valid guarantee recognized by the bank, and he has opened a personal settlement account with the handling bank. Meet other conditions stipulated by the bank for loan business.
What you need to pay attention to when buying a house with a loan is to repay the loan on time and leave enough funds in the repayment account to prevent the default from being punished by the bank, causing financial losses and leaving a bad credit record in the bank. Choose the appropriate repayment method. Reasonable planning of funds.
: How old do I need to pay the provident fund?
Where employees are on the job, the retirement age is from the date of joining the work to the date of retirement or termination of labor relations:
(1) Male cadres and workers are over 60 years old, female cadres and workers are over 55 years old, and female employees are over 50 years old, with continuous service or working years 10 year.
(2) Workers who are engaged in underground, high altitude, high temperature, heavy physical labor and other jobs harmful to health, men are over 55 years old, women are over 45 years old, and their continuous working years or working years are over 10 years.
(3) Workers who have worked continuously for 10 years, and have been completely incapacitated by the hospital and confirmed by the labor appraisal committee.
Dissolution of labor relations: that is, you leave your job and don't want to continue to pay the provident fund.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.