Can I still get a loan after the provident fund is paid? How long will it take to refinance? Come and have a look with me.

How long can I refinance after the provident fund is paid off?

Generally, it will take another six months to pay off the provident fund.

Generally speaking, if an individual does not use the housing provident fund again within six months after paying off the loan in the housing provident fund management center, he can apply for a provident fund loan again, which is subject to the provisions of the local housing provident fund management center.

Under normal circumstances, it takes 6 months to apply for a provident fund loan after the housing provident fund loan is settled. According to the relevant rules, if you want to use the provident fund loan to buy a second house, you can only handle it if the first housing provident fund loan has been settled. In most areas, the interval between the first set of housing provident fund loans and the second set of housing provident fund loans has been determined, which will take at least six months.

When applying for the provident fund loan for the second time, the bank will focus on checking the repayment of the first provident fund loan and whether the applicant meets the conditions of the provident fund loan again, so the first provident fund loan must be repaid on time.

Can the provident fund be refinanced immediately after it is repaid in 2022?

In 2022, the provident fund is finished, and you can refinance the loan immediately if you buy a second suite. Buy a third suite, and no more loans are allowed. According to the regulations, provident fund loans can be used to buy a house at most twice. It should also be noted that the loan interest rate may rise by 65,438+00%, and the loan term may be shortened to 25 years.

Conditions for buying two suites with provident fund loans

1. The borrower did not use the provident fund loan when purchasing the first suite or the provident fund loan has been paid off;

2. The existing per capita housing area of the borrower's family shall not be less than the area specified by the local provident fund management center;

3. The borrower needs to have good repayment ability and personal credit, and be able to repay in full and on time;

4. The down payment required for the borrower to purchase the second suite shall not be lower than the provisions of relevant local authorities;

5 other conditions for the local housing provident fund management center to handle the second-home provident fund loan.

Basic process of second-home provident fund loan

1. The borrower brings relevant loan materials to the provident fund management center to apply for a loan, and at the same time gives the materials to the staff of the provident fund management center. Pay attention to the information needed for the loan, you can know it in advance, so as not to bring less information.

2. After receiving the borrower's application and loan information, the Provident Fund Center failed to verify the authenticity of the borrower's information. If both husband and wife use provident fund loans to buy a house, it is also necessary to review the spouse's provident fund loans and inquire whether there are outstanding provident fund loans.

3. After the approval of the provident fund center, it is necessary to evaluate the purchased house, and there is a special evaluation agency.

4. After the evaluation is completed, determine the loan amount and loan term, and contact the borrower to sign a loan contract.

5. Finally, the provident fund center entrusts local cooperative banks to issue loans.

6. The borrower shall repay the loan on time every month according to the requirements of the provident fund center.

Li Heping Shangzuo

be for sale

Reference price: the price is to be determined.

Property address: southeast of the intersection of Taihang West Street and Xihuan Road, Luzhou District, Changzhi City.

Property telephone number: 400-8 18-0066 to 0 19626.

Can the provident fund refinance after prepayment?

Can the provident fund refinance after prepayment?

After the provident fund loan is paid off in advance, you can apply for a loan again. Early repayment will not have a negative impact on your personal credit. Therefore, as long as your personal credit status is good, you can apply for a loan again. Repaying provident fund loans in advance is also more to reduce interest expenses. However, it should be noted that each family can only borrow the provident fund twice, and then they can't borrow again.

To apply for provident fund loans, you need to meet the following important conditions:

1. Housing accumulation fund account is opened 1 year or more, and it is continuously deposited 12 months.

2. The provident fund loan is still being repaid.

3. There are no outstanding provident fund loans and policy discount loans.

Do couples have to go to the provident fund loan to repay in advance?

Whether it is necessary for both husband and wife to repay the provident fund loan in advance is divided into the following situations:

1. If one borrower applies for provident fund loan, only one borrower can participate in the prepayment of provident fund loan;

2. If the provident fund loan is jointly applied by both husband and wife, the early repayment of the provident fund loan requires the signature of both husband and wife. The borrower can consult the local housing provident fund management center for details.

Is there a penalty for prepayment of provident fund loans?

There will be no liquidated damages. If the provident fund loan is repaid in advance, it needs to be no less than 1 ten thousand yuan each. If you intend to repay in advance and shorten the loan period, you need to pay at least 40% of the loan amount. You need to call the bank to apply for early repayment, and you can only apply for early repayment after the application is passed. Therefore, if it is a provident fund loan, you can safely choose to repay in advance.

Can the housing provident fund loan be repaid?

Yes, you can. After the provident fund loan is paid off, you can borrow again. The Notice on Strengthening the Differentiated Management of Individual Housing Provident Fund Loans of Central State Organs issued by the Housing Fund Management Center of Central State Organs pointed out that since the New Year's Day of 20 14, employees can apply for provident fund loans again after five years of using provident fund loans for the first time.

How long can I refinance after the provident fund loan is paid off?

According to the Regulations on the Management of Housing Provident Fund, those who have not used the provident fund in the first six months, including the repayment month, can apply for a second provident fund loan immediately after repaying the first provident fund loan in advance; If the provident fund has been used at the time of settlement or 6 months before settlement, you must wait another 6 months after settlement before applying for a loan.

Extended data:

Withdrawal time of housing accumulation fund

1, housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure.

2, housing provident fund in the case of a one-time payment, employees and their spouses can fully withdraw housing provident fund once every quarter, up to four times a year.

3. When employees purchase resettlement houses, they can apply for withdrawing their housing provident fund. A set of resettlement houses can only be extracted once. If the withdrawal amount is insufficient, the parents, spouses, children and * * * of the purchaser may apply for withdrawal of their housing provident fund. The total withdrawal amount cannot exceed the house payment paid by the employee (excluding the loan amount).

4. Applicants who rent a house to withdraw housing provident fund can withdraw housing provident fund once a year, and the amount of each withdrawal shall not exceed the prescribed one-year withdrawal limit. The applicant shall withdraw the housing provident fund to pay the housing lease fee, and shall put forward it during the housing lease period, and go through the formalities for withdrawing the housing provident fund.

5, construction, renovation, overhaul occupied housing extraction housing provident fund. Please withdraw my housing provident fund. Self-built houses can only be extracted once. If the withdrawal amount is insufficient, the depositor's parents, spouse and children may apply for withdrawal of their housing provident fund. The cumulative withdrawal amount cannot exceed the project payment paid by employees.

Let's stop here for the introduction of the loan after the provident fund is paid.