1. Can the provident fund loan only buy a house?
1, renting a house
Can be used to pay the government rent subsidies for affordable housing rent, or market rent.
Step 2 buy a house
If you buy a house in full, the provident fund can be raised at one time; If it is a commercial loan to buy a house, you can withdraw the provident fund to pay the down payment and interest; If it is a combination of provident fund and commercial loans to buy a house. The provident fund can be withdrawn to pay interest.
3. Decoration, transformation and decoration of houses
When building, renovating or renovating existing houses in rural areas, my spouse and I can apply for withdrawing provident fund for renovation, but the application amount cannot exceed the price of resettlement housing for further study.
4. Treatment of major diseases
If I, my spouse or their children suffer from serious illness or are hospitalized for major surgery, I or my spouse may apply for withdrawal of housing provident fund. The application date should be carried out within one year after discharge, and the withdrawal amount should not exceed the hospitalization expenses.
Parents can buy a house for their children.
If you don't use a housing loan to buy a house, you can withdraw your parents' provident fund for purchase; Buying a house with a commercial loan, you can withdraw your parents' provident fund after paying the down payment; If you buy a house with a combination of provident fund and commercial loan, you can also withdraw your parents' provident fund after paying the down payment.
Second, what should I pay attention to when using provident fund loans?
1, pay attention to the limit.
The interest rate of provident fund loans is much lower than other loans, which we must remember. However, there is a maximum amount of provident fund loans. Taking Beijing as an example, the maximum loan for the first home cannot exceed 6.5438+0.2 million, and the maximum loan for the second home is 800,000.
2, pay attention to the use of restrictions
Because the provident fund loan policy of each place is different, but most places have requirements for the time to pay the provident fund. Generally, when applying for provident fund loans, it is required to pay for 6 months or more continuously, and the status of the provident fund account is normal, so payment cannot be stopped. Some places are still relatively strict, requiring deposit for more than one year, and the provident fund cannot be broken after buying a house.
The above is all about whether the provident fund can only borrow money to buy a house. I hope it will help everyone. If you want to know more, you can pay more attention to Qijia. com。