Can I get the provident fund when I buy a loft apartment?
You can't use provident fund loans to buy loft apartments, because loft apartments are commercial. Purchase office buildings, commercial buildings, garages, villas and other non-residential buildings; Purchase part of the property rights of the house; Employees who purchase housing land of non-state-owned land as provident fund deposit shall not apply for provident fund loans.
1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.
2. Housing provident fund loans refer to housing mortgage loans granted by commercial banks entrusted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.
What are the restrictions on buying a house with provident fund loans?
The borrower shall meet the following conditions:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8. Payment conditions: the housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been paid in full and normally.
More than months (inclusive) and in the deposit state when applying for a loan; Or the applicant's unit is in a deferred payment state with the approval of the provident fund management department, but I meet the conditions of establishing a housing provident fund account 12 months or more (inclusive) and paying the housing provident fund in full 12 months or more (inclusive); Or the loan applicant is a retired employee who has paid the housing provident fund during his working life (the age is not more than 70 years old, and retirement certificate and income certificate are required when applying).
The use of provident fund loans has many advantages, the most important thing is the low interest rate. Of course, the use of provident fund loans also has some disadvantages, such as the limitation of loan amount and loan term. Everyone needs to submit proof that they have paid the provident fund before they can apply for a loan.
Through the above introduction, I believe you have some understanding of whether you can get the provident fund when buying a loft apartment and what are the restrictions on buying a house with a provident fund loan. If you buy an apartment, you can't use the provident fund, so when you borrow money, you must know how to bring this kind of house and some precautions. If you still want to know the relevant knowledge, you can continue to pay attention to our website.