Provident fund loan has become one of the most popular and preferred loan methods at this stage. Usually, when buying a house, both husband and wife borrow money first and then repay it together. When making a loan, it is often necessary to determine a main lender. So what are the main lenders of provident fund loans? Why choose the main lender? Next, let me introduce you.
What is the main lender?
In the housing loan contract, only one of the husband and wife is generally designated as the lender, and the other party participates in the loan as the lender. In addition to the lender's immediate family (husband and wife, parents and children), the lender must also be one of the owners of the mortgaged property. The main lender should choose the party with higher and more stable down payment, so as to lend a higher amount. The main lender should choose the younger party to promote the loan for a longer time. Choose the party with better credit information. If the credit information is not good, it may affect the bank's loan approval. However, it is necessary to remind buyers that even if the credit information of the main lender is good, the credit information of * * * and the repayment person may also affect the loan approval.
Why choose the main lender?
Because this will be directly related to future repayment. Therefore, the husband and wife go to the loan together, and the bank requires the lender to buy a comprehensive insurance for housing mortgage loans. The comprehensive insurance covers two aspects:
1. Property loss insurance. When the mortgaged property suffers property losses such as fire, storm and collapse, the insurance company shall bear the property losses.
2. Repayment guarantee liability insurance. This insurance mainly protects the "main lender". If the lender dies or is disabled unexpectedly during the repayment period, the insurance company will also bear the remaining repayment responsibilities. But some people will say that if there is no name on the loan contract, will the house have nothing to do with them? Are you involved in repaying the loan, and the property does not belong to you? The answer is no, this belongs to the * * * property acquired by married couples, and their debts after marriage are also * * * debts. Whether he is the main lender or not, he has the obligation to repay the housing loan.
Who is the owner of the house with provident fund?
Provident fund loans to buy a house, the interest rate will be lower than commercial loans to buy a house When you pay the provident fund, you usually only pay yourself. So who is the owner of the house who uses the provident fund to write? Let's take a closer look with Bian Xiao.
Who is the owner of the house with provident fund?
1, regardless of whether the house is bought by provident fund loan or commercial loan, who is the main lender of the loan, then write the owner of the house and whose name is written on the real estate license. The main lender of the loan will inevitably be one of the property owners, that is to say, whoever uses the housing provident fund loan must have this person's name. In addition, * * * borrowers for loans can be added, and * * * owners who are the same as * * * borrowers can be added to the real estate license.
2. At present, provident fund loans are generally based on families. If the husband and wife jointly buy a house to repay the loan and the share of the real estate is recognized, then the name of one or both parties can be written on the real estate license. The criteria are as follows:
(1) When determining that both husband and wife have housing provident fund accounts, priority should be given to the spouse with higher and stable income, and attention should be paid to the age limit of the lender, otherwise the loan period of the provident fund will be affected.
(2) If the husband and wife repay the loan jointly, then when determining the main lender of the loan and its spouse, it must be decided according to the actual situation. Under normal circumstances, in the housing loan contract of the loan bank, only one party needs to be regarded as the "lender", that is, the main lender, and its spouse is the sub-lender.
3. Because the minor children can't repay the debts and can't be used as the mortgagor of the debts, the names of the minor children can't be written separately on the real estate license.
4. If you use your father's housing provident fund loan to buy a house for your underage son, then you can't just write your son's name on the real estate license. If you only write your son's name, it will not meet the conditions for the use of the housing provident fund. Therefore, only the father and son names written on the real estate license meet the basic conditions for buying a house with a provident fund housing loan.
5. When using the provident fund loan, the owner of the provident fund should be the main lender of the loan in the purchase contract and the loan information provided.
Who is the main lender of provident fund loans to buy a house, then the owner of the house will write who, and whose name will be written on the real estate license. The above is an introduction about who the householder writes about buying a house with the provident fund. Friends who want to apply for housing provident fund loans can learn more about it.
Can the main lender of housing provident fund be changed?
Under normal circumstances, the main lender of provident fund loans is not allowed to change at will. Before the loan is paid off, the loan cannot be withdrawn without special circumstances. Unless there are the following circumstances:
1. When the husband and wife divorce, the main lender transfers the ownership of the house to the spouse;
2. The main lender is dead or declared dead;
3. The main lender loses full capacity for civil conduct and no longer assumes repayment responsibilities.
In this regard, customers can apply to the loan handling bank to change the main lender and submit the new main lender information to the bank. The bank will review the new main lender according to the data. After the evaluation is passed, the main lender will be replaced, and then the new main lender will bear the repayment responsibility.
Like the first case mentioned above, the spouse of the main lender before the divorce is generally the new main lender; In the second and third cases, the spouse of the principal lender may be the new principal lender, or other heirs or legatees such as children, parents, brothers and sisters of the principal lender may be the new principal lender.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Deposit nature
(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;
(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;
(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.
Characteristics of savings
universality
Urban workers, regardless of the nature of the work unit, family income and existing housing, must pay the housing provident fund in accordance with the provisions of the Regulations;
coerciveness
If the unit fails to register the deposit of housing provident fund or set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution;
welfare
In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
Retractability
Workers retire, resign, or completely lose their ability to work, terminate their labor relations with their units, move out of their registered permanent residence or settle abroad, etc. And return the paid housing provident fund to individual employees.
Can the main lender of housing provident fund loan be changed?
The borrower who repays the mortgage cannot be changed. If you want to change it, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank.
It is possible to lend it out again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.
If it is a housing provident fund loan, before the termination of the individual housing provident fund loan contract, the borrower's spouse, heir to the ownership of the house or legatee may apply for changing the repayment of the housing loan:
(a) the borrower's divorce causes the ownership of the house to be transferred to the spouse;
(2) The borrower has completely lost the capacity for civil conduct;
(3) The borrower is dead or declared dead.
Extended data:
Features:
(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;
(2) Mandatory (policy-oriented). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution;
(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
(4) Retractability: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee.