Self-built houses can be financed by provident fund loans. The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund according to regulations). It can be seen that employees who build their own houses can apply for housing provident fund loans. Materials required for housing extraction due to construction and decoration: 1, original construction project planning permit (one copy) 2, original land use right certificate 3, original project budget book 4, original housing information registration certificate (one copy) of the housing management department where the husband and wife and minor children are required to provide the deposit place and the property. 5. For the second suite, the original household registration book (one copy) 6. For other places. Article 13 of the Interim Measures for Personal Housing Entrusted Loan of Housing Provident Fund stipulates that the borrower of housing provident fund can repay the loan in advance, but it shall notify the client in writing in advance, and then notify the trustee and the borrower to handle the relevant formalities after the consent of the client. The interest charged according to the interest rate agreed in the original contract will not be adjusted, and the loan principal returned by the borrower in advance will be charged according to its actual use time and current execution interest rate.

Can I build my own house with a provident fund loan?

Legal analysis: Yes. Premise of self-built house loan: 1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current deposit is normal. 2. Build self-occupied housing within three years. 3, the husband and wife in the provident fund loans have not been paid off or provide housing provident fund pledge for others. Both husband and wife have a good reputation. 5. Provide the guarantee approved by the management center. 6. A family can have two housing provident fund loans at most. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. 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.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth 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.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.

Can I use provident fund loans to build my own house? How to borrow provident fund loans?

First, civil servants build their own housing provident fund loans.

Of course. Precondition of self-built housing loan: 1, where the applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current payment is normal. 2. Build self-occupied housing within three years. 3. Both husband and wife have no outstanding loans or pledge housing provident fund for others during the collection of provident fund. Both husband and wife have a good reputation. 5. Provide the guarantee approved by the management center. 6. A family can have two housing provident fund loans at most.

Second, how to borrow provident fund loans

The purchase process of provident fund loan is as follows:

1, preliminary examination.

That is, the housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue a certificate.

2. evaluation.

The applicant is required to go to the appraisal institution designated by the center with the certificate to evaluate the value of the purchased house, and the affordable housing does not need to be evaluated.

3. review.

The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review.

4. Go through the guarantee procedures.

, go through the guarantee formalities according to the guarantee method you choose. If mortgage and guarantee are selected, the guarantor shall issue a written letter of guarantee; If you choose mortgage plus insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

Third, self-built housing provident fund loans.

Self-built houses can be financed by provident fund loans. The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund). It can be seen that employees who build their own houses can apply for housing provident fund loans.

The introduction of whether self-built houses can use provident fund loans ends here.