Of course, you can apply for provident fund loans to buy existing homes. As long as the parties meet the conditions for applying for provident fund loans stipulated by law, they can go through the formalities for provident fund loans. 1. Can I use the provident fund loan to buy an existing house? You can apply for provident fund loans to buy existing homes, and apply for housing provident fund loans immediately after signing the purchase contract. Housing provident fund loan process: (1) The borrower consults the borrower with the loan handling department or calls the loan handling department for housing provident fund loan consultation and prepares relevant materials for housing provident fund loan. (two) the loan applicant to the loan handling department for preliminary examination and related evaluation. 1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application. 2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department. 3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure. 4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center. (3) The borrower is waiting for telephone notification 1. The staff of the loan handling department will review the loan according to the materials required by the borrower and the evaluation results of relevant institutions. For those who need to communicate with the borrower by telephone, the staff will verify and confirm the loan applicant by telephone through the contact information provided by the borrower. 2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract. (4) The loan applicant signs the relevant contract 1. According to the interview time notified by telephone, the loan applicant will go through the signing formalities at the loan handling department with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay the assessment fee and guarantee fee, they need to pay at the designated counter first and get the invoice. 2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department. (5) The bank loan applicant waits for the bank loan, and then goes to the bank to get the relevant contract documents of the borrower. (6) Repaying the loan on a monthly basis The applicant shall repay the loan on a monthly basis as stipulated in the loan contract. Second, the housing provident fund query tool uses the provident fund loan filter to learn more about the provident fund loan handling policy and repayment situation. Operating steps of provident fund loan inquirer: Step 1: Fill in the basic information of provident fund loan according to the prompt; When users apply for provident fund loans, when inquiring about provident fund loans, they need to choose whether to introduce a guarantee company to undertake phased guarantee responsibilities, whether it is a first-hand house or a second-hand house (introducing a guarantee company can enable the seller to obtain all the funds after the transfer); Step 2: After completing the above operation steps, the user clicks the "Query" button; Under normal circumstances, the borrower of provident fund loan needs the provident fund management center to undertake the guarantee when handling the provident fund loan, and the borrower needs to pay the guarantee fee. Third, the amount of provident fund loans Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years. According to the law, you can apply for provident fund loans when purchasing existing houses, and you can apply for housing provident fund loans after signing a house purchase contract. You can follow the above procedure.
Legal objectivity:
Regulations on the administration of housing provident fund
Article 24
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account;
If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Regulations on the administration of housing provident fund
Article 25
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant;
If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Regulations on the administration of housing provident fund
Article 24
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account;
If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Regulations on the administration of housing provident fund
Article 25
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant;
If the withdrawal is approved, the entrusted bank shall go through the payment procedures.