You can use only one person's or two people's. The management of provident fund requires that both husband and wife can jointly borrow money. Of course, they must pay 1 year housing provident fund in the same place. In some places, it is required to last for 6 months or accumulate 1 year. In short, as long as you meet the housing provident fund loan conditions, your husband and wife can use joint loans.
Second, both husband and wife have provident funds. Can they borrow money to buy a house together?
Under normal circumstances, I can. My house was bought by two people with a railway provident fund loan, but it seems that the handling methods are different. There may be differences in each city.
3. Can husband and wife use provident fund loans together?
What are the loan conditions of husband and wife provident fund?
Both husband and wife must jointly apply for housing provident fund loans.
1. Both husband and wife must pay provident fund and there is a certain amount of housing provident fund in the housing provident fund account;
2. Both husband and wife have exceeded 1 year;
3. The housing provident fund loan that needs to be returned at the destination, that is to say, the housing provident fund has not been loaned or the provident fund that has been repaid before;
4. Names of husband and wife who purchase housing provident fund loans;
Both husband and wife need to provide marriage certificate.
Can only one party of the husband and wife provident fund borrow money?
1. Many people have not paid the provident fund for several months or 12 months, so only one party cannot pay the provident fund. Both husband and wife can apply for provident fund loans to buy a house.
2. Because two people are married, they can apply for provident fund loans together. There will be a main lender to pay, and they will issue a quota for two people, and both husband and wife will repay the mortgage together in the future.
3. The provident fund personal housing loan policy stipulates that if one spouse borrows money to buy a house and one of them applies for a housing provident fund loan, he or she cannot apply for a provident fund personal loan before paying off. Therefore, couples cannot apply for provident fund loans to buy a house alone.
Both husband and wife have provident fund. Can they get a loan together?
If both husband and wife have provident fund, after the employer helps to pay the housing provident fund, they can of course use the provident fund to make loans together, and the amount of loans for husband and wife to use the provident fund will be relatively higher. If the husband and wife jointly use the provident fund for loans, they need to repay the loans together later. They need to provide their ID cards, marriage certificates and purchase invoices, including proof of down payment, and most importantly, proof of provident fund.
legal ground
"Regulations on the Management of Housing Provident Fund" Article 26 When employees who pay housing provident fund purchase, build, renovate or overhaul their own houses, they can apply for housing provident fund loans from the housing provident fund management center. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 17 of the General Principles of Loans: The borrower shall be an enterprise (legal person), other economic organizations, individual industrial and commercial households or a natural person with full capacity for civil conduct with People's Republic of China (PRC) nationality and approved and registered by the administrative department for industry and commerce (or the competent authority). ? Borrowers applying for loans should meet the following basic conditions: marketable products, profitable production and operation, no misappropriation of credit funds, and strict adherence to credit:
(1) It has the ability to repay the principal and interest on schedule, and the original loan interest payable and the due loan have all been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except as stipulated by the the State Council, the cumulative amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, when applying for medium and long-term loans, the proportion of the owner's equity of the new project to the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.