As a means of housing security and loan support, provident fund can play a great role in buying a house. The specific purchase process is as follows: 1. Deposit of provident fund Before buying a house, you need to deposit enough provident fund. According to the regulations, employees must pay 5% to 12% of the total wages into the housing provident fund account every month. Second, choose a house purchase project to choose a house purchase project that meets your own needs and economic conditions. You need to pay attention to whether the project meets the conditions of provident fund loans, the reputation of developers, housing property rights and other factors. Third, provide relevant materials for loan approval. After determining the purchase intention, you need to submit relevant application materials to the local housing provident fund management department for loan approval. The materials usually need to be provided include the purchase application form, personal identity certificate, marital status certificate, purchase contract and other documents. Four. After signing the purchase contract loan, you can sign the purchase contract with the developer and pay the down payment. When signing a house purchase contract, we should pay attention to whether the terms of the contract meet the requirements of relevant laws and regulations to avoid disputes. 5. After paying the house price, you need to go through the formalities of house ownership certificate at the house registration agency before you can officially become the legal owner of the house.
How much can the provident fund borrow to buy a house? A: The upper limit of the provident fund loan amount is generally determined according to the annual income of local households, housing area and other factors, and the specific standards vary from region to region. Under normal circumstances, provident fund loans can reach up to 70% to 80% of the total housing price.
Buying a house with provident fund is a relatively stable and reliable way to buy a house. It is necessary to pay enough provident fund, select qualified housing projects, provide relevant materials and approve loans, sign a house purchase contract and go through the formalities of real estate license. In the process of buying a house, we need to pay attention to relevant laws and regulations to avoid disputes and losses.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.