If it is not affordable housing, you can only make a down payment yourself, and then go through the formalities of withdrawing the provident fund.
In addition, buying a second-hand house is not allowed to withdraw the provident fund as a down payment.
2, the purchase of affordable housing should be attached to the provident fund as a down payment process:
Property buyers need to provide the original and photocopy of the house selection confirmation form, the original and photocopy of the affordable housing certificate provided by the developer, and the original and photocopy of my ID card.
When the spouse applies for the provident fund as the down payment, in addition to the above materials, the original and photocopy of the marriage certificate, the original and photocopy of the spouse's ID card, and the main purchaser's Provident Fund Withdrawal Record Form are also required.
For friends who have bought a house with commercial loans, they can only go through the formalities of withdrawing provident fund with the original and photocopy of the house purchase contract and the full invoice. If they don't want to run often, they can withdraw it by agreement, and the money in the provident fund account will be transferred to your joint card on schedule.
Extended data:
Provident fund can pay down payment for buying a house, which can be deducted:
1. The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for the house purchase is needed by the family, and the gap can be applied for a loan to complete the full purchase.
2. In general, the house price minus the down payment is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses.
Matters needing attention in buying a house with housing provident fund loan
1, housing provident fund loan down payment description: provident fund cannot be directly used as down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management to withdraw the storage balance in their own provident fund.
2. The loan amount of the housing provident fund is calculated according to the balance of the housing provident fund account: the calculation formula is: (the balance of the housing provident fund account+the monthly contribution of the provident fund ×2× to the number of statutory retirement months )× 2.
3. The loan amount of housing provident fund is calculated according to the maximum loan amount:
If one person applies for a housing provident fund loan, the loan amount is 500,000 yuan, and if two or more people buy the same house to apply for a housing provident fund loan, the loan amount is 800,000 yuan.
4. The total withdrawal of housing provident fund cannot exceed the total purchase price.
5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan.
References:
Baidu encyclopedia-provident fund loan