Today is a legal society, and many things closely related to life are inseparable from the law. When it comes to buying a house now, most people will choose provident fund loans with higher interest rates. What are the relevant regulations of the housing provident fund? Next, I will introduce to you about the housing provident fund... If you want to know more about how to get a loan to buy a house with the housing provident fund, let's take a look.
1. How to buy a house with a housing provident fund loan. First, go to the local housing provident fund management center to apply for a loan. The borrower brings the contract or agreement for the purchase and construction of a house (a copy of the purchaser's house sales license; those who build or repair a house must present the approval document of the government land planning management department), ID card, housing provident fund savings card, and seal to various cities and counties. To apply for a housing provident fund loan at the provident fund management center, if you use a housing provident fund loan for both spouses, you must also bring your marriage certificate or other proof of the relationship between the couple and fill out the "Personal Housing Provident Fund Loan Application". The lending bank assesses whether the borrower meets the loan conditions based on the borrower's application, calculates the loan amount, and determines the loan term. Second, sign a loan contract. After the local provident fund management center (or entrusted bank) examines and approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (a mortgage contract is signed for real estate mortgages, and a personal guarantee requires a double personal guarantee from the provident fund). Third, those who apply for a housing mortgage must apply for real estate mortgage notarization. At that time, you need to bring 5 copies of the real estate certificate (and land certificate), ID card, marriage certificate, household register and copies to go through the procedures related to notarization and other property rights certificates. Fourth, after the borrower completes the mortgage procedures with real estate mortgage, he must submit the loan information to the provident fund management center together with the loan contract, mortgage contract (pledge contract), other property rights certificates or mortgage certificates, etc. At that time, the provident fund management center will entrust the housing credit department of China Construction Bank to pay the money into your personal account on time
2. Provident fund payment time requirements In addition to loan limits, most cities also have requirements for provident fund payment time. If you want to purchase commercial housing in Beijing, you should have a housing provident fund account established for more than 12 months (inclusive), make full and continuous deposits for 12 months before applying for a loan, and be in deposit status when applying for a loan. If the Shenzhen applicant and the *** applicant who participates in the calculation of the provident fund loan limit have paid the housing provident fund in this city on time and in full for 6 months or more before the month of application (not including the month of application), the provident fund at the time of application The account is in a normal deposit status (accounts that are sealed, frozen or canceled are in an abnormal deposit status).
3. Provisions on Withdrawal Amount (1) For those who rent public rental housing, the full amount shall be withdrawn based on the actual rent expenditure. (2) For renting commercial housing: 1. It shall not exceed the paid rental amount. The calculation method for renting commercial housing is: the monthly rent amount for housing leasing registration × the time of renting at the time of application; 2. It shall not exceed the employee’s annual rent. 50 of the housing provident fund deposit amount; 3. The withdrawal limit shall not be exceeded. I have compiled the information on these issues here, hoping it will be helpful to you. Our country's laws are gradually improving, and we also look forward to helping more people.