Generally, the provident fund loan can only be used to buy a house after it has been paid for 1 year. As for the second-hand housing down payment, there is no fixed amount, some pay 30%, and some pay 40%.

The parties do not need to provide notarial certificate for the record of the stock house sales contract; The parties may apply to any online signing point for the work related to the purchase and sale of stock houses, or to the free online signing points in the lobby of real estate trading centers. The online signing points shall not force the parties to handle notarization or collect notarization fees.

To apply for the second-hand housing transaction in the national development (holiday) area, it is necessary to verify the authenticity of the house before issuing and handling the transaction procedures. The introduction of the verification policy will also help to reduce the false housing and "model houses" and other irregularities in the intermediary market.

(1) Check whether the owner of the house ownership certificate number/real property certificate number and the owner of the house certificate are consistent with the information recorded in the property list or property file;

(2) Whether there is restricted trading information such as seizure and objection registration in the nuclear room;

(3) Check the basic information such as the location, construction area and planned use of the house.

legal ground

Regulations on the administration of housing provident fund

Twenty-fourth in any of the following circumstances, employees can withdraw the balance of my housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.