The housing accumulation fund cannot be used for faster housing. In most cases, the house should be purchased in full. If the house has been purchased in full, it will no longer accept provident fund loans. Implement the policy of waiting for the issuance of housing provident fund loans, and determine the time for issuing loans according to the waiting order and funds. Therefore, the purchase of judicial auction real estate temporarily does not have the conditions for handling provident fund loans. After the house is transferred, you can apply for withdrawal of individual account housing provident fund.
What are the precautions for buying a house? 1, prepare the deposit. No matter what kind of house you want to buy, you must have a comprehensive understanding of the price and value of the house and make adequate financial preparations. Compared with ordinary houses, you need to pay a deposit before the auction. Usually this fee is 10- 20% of the total starting price, which is not a decimal, and if the auction is successful and you suddenly don't want it, this fee is non-refundable.
2. Know the details of the house. If you want to buy this kind of housing at a relatively low price, you must pay attention to the relevant information in time and lock the target. Don't ignore the basic situation of housing in order to save trouble, especially the property rights, debt disputes and housing. You must know in advance, so that you can buy the housing that suits you best and it is not easy to spend money.
3. Find out whether the owner of Chu Yuan has moved out. For some auction houses, it may be because the owners are unable to pay their debts, so even if they auction their houses, they are not necessarily willing to move out. Therefore, before the auction, we must know in advance whether the house is occupied, whether there is arrears in water charges and whether there are other tenants, which are directly related to whether there are enough buyers to move in smoothly.
What are the basic loan processes of housing provident fund? 1. application: the lender shall provide the information required for the loan to the provincial provident fund management center as required. Banks conduct credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time. Signing a loan contract: the lender goes to the bank to go through the formalities of signing a loan contract with relevant information. Go through the formalities of housing property insurance and mortgage registration: loans must go through the formalities of insurance and mortgage registration.
2. Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower. Loan recovery: the lender will repay the loan according to the loan contract from the next month. Loan settlement and cancellation: after the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration and cancellation procedures.