If you want to apply for housing provident fund loans in China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether there is provident fund loan business and related regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.). ) In your local area. (Reply time: 2065438+3 May 20091. Please refer to the latest business changes announced by China Merchants Bank in official website).

Second, can couples still use the provident fund when they have a house?

You can't. For husband and wife, according to the regulations, the provident fund loan applied by one spouse in the name of one spouse belongs to the joint debt of husband and wife and should be repaid with the joint property of husband and wife.

Therefore, if the provident fund loan applied by one spouse has not been paid off, and the other spouse has applied for a provident fund loan, it is equivalent to lending to the same object twice, which is prohibited.

Moreover, the provident fund personal housing loan policy stipulates that if both husband and wife borrow money to buy a house and one of them applies for a housing provident fund loan, the spouse cannot apply for a provident fund personal loan before paying off the principal and interest of the loan. Therefore, couples cannot apply for provident fund loans to buy a house alone.

Third, can you buy a house with two people's provident fund?

You can use two people's provident fund loans to buy a house. If both husband and wife want to apply for provident fund loans together, then both husband and wife must deposit housing provident fund 1 year or more, and there must be a certain balance in the account. Buying a house can apply for a loan with two people's provident fund. Like husband and wife, parents and children. As long as the provident fund paid by both parties meets the requirements, if two people apply together, the loan amount will be higher than that applied separately. Of course, the regulations vary from place to place. For example, in Shenzhen, the maximum amount of provident fund loans applied for by individuals is 500,000 yuan, and the maximum amount of provident fund loans calculated by the applicant is 900,000 yuan (the amount of provident fund loans is 14 times the sum of the sum of the applicant and the calculated loanable amount and the sum of the applicant's provident fund account balance). It should be noted that the provident fund loan generally stipulates that the applicant must pay the provident fund in full and on time for 6 months or more, and the provident fund account must be in a normal state of payment, and the provident fund loan has not been made in its name or has been paid off.

The husband and wife use the provident fund to buy a house. Is it necessary to write two people's names on the real estate license? Whoever is the subject of the loan must write his name on the real estate license. Loans to buy a house are all the same, whose name should be written on the borrower's real estate license, and the borrower's real estate license can be added with a name. 1. If the provident fund loan is used, the main body of the house purchase contract and the loan information provided shall be the borrower with provident fund benefits. 2 provident fund loans refer to employees who have permanent residence in local towns, have established a housing provident fund system for more than 2 years, and pay housing provident fund according to regulations. In the purchase or construction of housing or renovation or overhaul of their own housing funds are insufficient, you can enjoy provident fund loans. How to deduct/kloc-0 from the two-person provident fund loan/from the provident fund account: that is, deduct it from the provident fund account of the main lender first every month, and then deduct the insufficient part from the provident fund account of the sub-lender. If the balance of their provident fund accounts is still insufficient to repay the loan principal and interest of the current month, they need to deposit the money into the repayment account of the main lender for the bank to deduct before the repayment date. 2. Deduction from repayment account: this refers to the deduction from bank card, that is, the balance of provident fund account is not changed, and it is also deducted from the repayment account of the main lender, and the insufficient part is deducted from the repayment account of the sub-lender. In addition, you can also withdraw the balance of two people's provident fund accounts every year to repay. Personal housing provident fund loan processing flow 1. The applicant and his wife bring information to the management center for consultation, application and filling out the application form; 2. After approval, the Center will issue a power of attorney to the applicant; 3. After receiving the notice, the applicant and his wife bring all the originals to the bank to sign the contract and go through the notarization formalities at the notary office; 4. The applicant's husband and wife hold the signed contract information and wait for the seal of the seller; 5. The applicant's husband and wife hold a guaranteed loan contract (mortgage contract) and wait until Suqian Real Estate Management Office (the real estate transaction hall of the west podium of Jianshe Building) to handle the mortgage registration; 6. The applicant's husband and wife hold the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally hold the transfer notice to the bank for transfer procedures.

Fourth, how do the husband and wife withdraw the provident fund loan to buy a house and divorce?

Legal analysis: the withdrawal of provident fund by one party does not affect the repayment amount. At the same time, the loan business already handled will not be affected. It should be noted that the repayment of provident fund loans is deducted from the balance of the lender's provident fund account. If a person withdraws or stops paying the provident fund, he will compensate the unpaid part by other means.

Legal basis: Regulations of the State Council on the Administration of Housing Provident Fund.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.