The provident fund cannot be used again after being used twice, and the number of provident fund loans can be used at most twice. "Notes on Housing Provident Fund Loans" stipulates that a family or single person, whether one person or two people, whether before or after marriage, has used housing provident fund loans, and two or one person has a record of two provident fund loans, even if the loans have been fully paid off, it is not allowed to use the provident fund loans for the third time.
The purchase condition of provident fund loan 1 must have repayment ability.
The so-called strong repayment ability simply means high income, which proves that buyers have enough money to repay their mortgages. Generally, the formula for calculating the personal loan amount according to the repayment ability is: [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
Here we should explain what is the repayment ability coefficient, which is the ratio of the loan principal to the lender's income in the current month. The repayment ability coefficient is used to calculate the repayment ability of the lender, and the repayment ability coefficient of commercial loans and provident fund loans is determined by the comprehensive evaluation of banks and provident fund management centers according to the actual situation of buyers.
The calculation formula for using the spouse's quota is: [(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). It can be seen that if you want to borrow as much as possible, you can't do without enough income.
2. The balance of the provident fund account is sufficient.
As we all know, the balance in the provident fund account is paid by employees and units every month, and the amount of loans needed is allocated from the provident fund pool. The borrower has already withdrawn the provident fund before the loan, and cannot apply for the maximum loan amount when buying a house, because this is also not allowed by the provident fund management center.
The amount of provident fund loan can be applied according to the applicant's repayment ability, the proportion of housing price, the balance of housing provident fund account, the upper limit of loan amount and other factors. The value obtained from the four conditions is the maximum amount that the applicant can borrow. Generally, after applying for a provident fund loan, it will be given by the bank after examination.
3. These loan conditions must also be met.
(1) The borrower has an urban hukou;
(2) I and my employer have paid the housing accumulation fund in full and on time in this city for more than half a year or 12 months (from the back to the front, different cities require different months to pay);
(three) there is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;
(4) The assets stipulated in the Guarantee Law are mortgage or pledge of loans;
(5) Agree to handle the guarantee or mortgage property insurance;
(6) A guarantor (selling unit) agrees to guarantee until the real estate license is obtained, and after the mortgage registration of other rights of the house is handled, it is handed over to the loan bank and the provident fund for storage;
(7) Good credit;
(8) Agree to other conditions stipulated in the housing provident fund management.