cannot

Second, can I buy a house with a provident fund loan after retirement?

You can also apply for provident fund loans after retirement, but there are many restrictions on loan amount, loan term and loan rules. There are differences in provident fund loan policies in different regions. Please consult your local provident fund management center for details.

Provident fund loans have strict qualification requirements. If they are overdue, the Provident Fund Center will also take the following measures to safeguard its rights and interests.

1, report to the credit information system.

2. Overdue collection.

3. Calculate overdue penalty interest.

4. Terminate the loan contract in advance.

5. Require early settlement of provident fund loans.

6. Dispose of mortgaged property.

7. Users who will be maliciously overdue.

Therefore, after applying for provident fund loans, it is still necessary to make a record of loan repayment. If there are more funds in the provident fund account, you can also handle the repayment business, which can also reduce the current repayment pressure. When you have just repaid the loan, you should always pay attention to the balance of the provident fund to avoid repayment failure due to insufficient funds.

If the online loan is overdue, you can get a big data report in Xiaoqi Credit Information, find out your overdue records, and classify your online loans into formal and informal, with credit information and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform to give priority to formal credit reporting and reduce the impact on yourself.

Extended data:

What if the amount of provident fund loan is not enough?

If the loan amount of provident fund is insufficient, apply for a portfolio loan, so that commercial loans can make up for the shortage of loan amount.

Increase the down payment ratio, thereby reducing the loan amount.

A new loan can be a parent or a spouse, just like the borrower.

Give up applying for provident fund loans directly and apply for commercial loans.

Increase the financial certificate and increase the loan amount.

All the above methods can help to increase the loan amount, so that the loan amount applied by users can completely cover the required loan amount.

Since the loan amount of provident fund is determined by the balance in the account, users are requested not to withdraw the provident fund before applying for it.

After the successful handling of the provident fund loan, the withdrawal of the provident fund will not affect the amount of the provident fund loan.

Moreover, there is an upper limit on the amount of provident fund loans. Once the upper limit is reached, but the mortgage amount is still insufficient, users can only apply for commercial loans or portfolio loans. After all, the amount of provident fund loans cannot be increased at this time.

Three, there are five years to retire, how many years can I use the provident fund loan?

You can borrow for 4-5 years, and if conditions are good, you can extend it for 1-5 years.

There are different rules in different parts of the country. Some cities have stipulated the longest loan period of provident fund, and the longest loan period of provident fund after the borrower retires does not exceed 5 years. For example, if you retire at the age of 60, you can only borrow money until the borrower is 65.

On the other hand, there is no limit on the minimum age of borrowers, but they must meet the conditions of formal employment and normal continuous payment of provident fund for more than 6 months.

Provident fund loans are generally limited by the lender's age and loan period, that is, male: the lender's age should be less than or equal to 65 during the loan period; Female: The building age should be less than or equal to 60 during the loan period.

Extended data:

Necessary conditions for applying for provident fund loans

1, first see if you have a provident fund account. This can be seen in the usual salary details, depending on whether the unit has sent it to you. As long as the account is paid, you can also visit the website of the local provident fund center.

2. On the premise of having a provident fund account, only those who have paid the provident fund in full for more than 6 months or accumulated 1 year before the month of applying for a loan are eligible to apply for a loan.

The main purpose of this regulation is to prevent job insecurity and income instability, so as to control post-loan risks. Therefore, if your job changes frequently, you must check whether your provident fund meets these two conditions. Of course, there are different rules in some places. For details, please consult your local provident fund center.

3. If both husband and wife have outstanding provident fund loans, they will no longer be eligible for housing provident fund loans;

4. Those who have outstanding large loans or credit stains are not eligible for housing provident fund loans;

5. The sum of the lender's age and the loan period must be less than 70 years old. For example, you are 40 years old now, and you have applied for a loan for 30 years, but the provident fund management center will not approve it;

6, before the loan, must sign a contract for the sale of commercial housing.