How can I get a loan if I don't buy a house?
Provident funds can also be loaned without buying a house. However, the provident fund is not to buy a house, but to be used as a loan. If the lender is short of funds for self-built or renovated housing, users can directly apply to the local housing provident fund management center for self-built housing or renovated housing to apply for provident fund loans. In addition, if the lender is renovating the house, he can also apply for a provident fund renovation loan.
It should be noted that provident fund loans should not only meet the conditions of provident fund loans, but also need to choose products that need provident fund loans. If it is a decoration loan, you need to apply for a provident fund decoration loan, otherwise it will not be passed. Extraction of housing consumption categories: purchase of self-owned housing such as commodity housing, private property housing, affordable housing and price-limited commodity housing; Building, renovating or overhauling self-owned houses on rural collective land; Repaying the principal and interest of self-owned housing loans; Employees without housing and loans rent houses.
What are the requirements for provident fund loans?
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.