China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Can a second-hand house be loaned by provident fund?

Second-hand houses can apply for housing provident fund loans.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to approve the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27 stipulates that an applicant applying for a housing provident fund loan shall provide a guarantee.

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Can I apply for a provident fund loan to buy a second-hand house?

Provident fund loans to buy second-hand housing loans are limited, generally not too much, so most people need to choose portfolio loans. The application for provident fund loans is regulated to a certain extent. Only by paying the provident fund for a certain number of years in accordance with local policies can you apply for provident fund loans.

The advantage of buying a second-hand house with provident fund is that the interest of provident fund loans is much lower than that of commercial loans in the same period; Housing provident fund loans come from a wide range of sources, and the age limit of second-hand houses is less; The borrower can freely choose the repayment bank without the restriction of the development bank account.

If you repay the loan in advance, you can choose part or all, and you don't need to make an appointment; For partial repayment, you can choose to shorten the repayment period, match the repayment period, reduce the repayment amount in the same repayment period, delay the repayment period and increase the repayment method.

Which second-hand mortgages can't use provident fund?

1, some friends want to know, which second-hand mortgages can't use the provident fund? In fact, as long as you meet the conditions of provident fund loans, you can use the provident fund, and there is no clear second-hand housing restriction.

2. Second-hand houses can use provident fund loans, but the loan amount may be reduced according to the age of the house. If the house is over 30 years old, the provident fund management center will directly refuse the loan.

Please click to enter the picture description (maximum 18 words).