1. Can I give my own provident fund to my brothers and sisters?
The user of housing provident fund must be a family unit composed of himself or his spouse. Parents, siblings and children cannot use our own provident fund account for loans.
Second, the application conditions of provident fund loans
The policies of housing provident fund management centers will vary from place to place. Next, let's take Changsha Housing Provident Fund Management Center as an example to see what are the conditions for applying for provident fund loans.
(1) A natural person with full capacity for civil conduct.
(2) The housing provident fund account is in a normal state and has been paid normally for nearly 12 months.
(three) good credit, stable income, the ability to repay the principal and interest of housing provident fund loans.
Not exceeding the statutory retirement age stipulated by the state.
(five) the down payment shall not be lower than the corresponding proportion required by the provident fund management center.
(six) the purchase, construction, renovation, overhaul of owner-occupied housing must be applied within 0 years (sets); Commercial bank housing loans to provident fund loans need to be applied within 30 days after the settlement of commercial bank loans.
(seven) the family (married refers to both husband and wife, single refers to the loan applicant himself, the same below) has not applied for provident fund loans (including provident fund loans from other urban provident fund management centers), and has applied for the settlement of provident fund loans for six months.
(eight) the purchase family did not apply for housing provident fund purchase in the city provident fund management center.
(nine) a family can not apply for provident fund loans more than twice.
III. Types of provident fund loans
Faster loans
Faster loan refers to the loan that we apply for when we buy the commercial housing that the real estate developer is building, has not yet completed the construction and cannot be delivered for use at present.
An auction loan needs to provide a commercial housing sales contract and an ordinary VAT invoice for the down payment.
(2) Existing housing loans
Xianfang loan refers to the loan that we apply for when we buy a commercial house that has been built and can be delivered by a real estate developer.
Existing housing loans need to provide immovable property certificates, commercial housing sales contracts, ordinary invoices for value-added tax on house purchases and deed tax payment certificates.
③ Second-hand housing loan
Second-hand housing loan refers to the loan we applied for when buying the second-hand housing of the original owner.
If the second-hand house applies for provident fund loan before the transfer of property rights, it is necessary to provide a copy of the seller's ID card, a copy of the house ownership or immovable property certificate, a guarantee opinion, a down payment certificate and a house value agreement.
If a second-hand house applies for a provident fund loan after the transfer of property rights, it needs to provide a certificate of immovable property rights, a commercial house sales contract and a deed tax payment certificate.
(4) Housing loans of commercial banks are converted into provident fund loans.
Housing loans from commercial banks to provident fund loans refer to loans that we have applied for housing loans from commercial banks and applied for again from the provident fund center after settlement.
When a commercial bank's housing loan is converted into a provident fund loan, it is necessary to provide a commercial housing sales contract, deed tax payment certificate, loan contract of the original commercial bank's housing loan, loan balance statement issued by the commercial bank or repayment flow in the past six months, loan settlement certificate or receipt of the last loan repayment, and proof of property rights of the house.
(five) housing construction, renovation and overhaul loans.
Self-housing loan for construction, renovation and overhaul refers to the loan we apply for when we build, renovate and overhaul our own housing.
Self-built housing loans need to provide state-owned land use certificate, construction project planning permit, project contract signed with the construction unit, business license or qualification certificate of the construction unit, certificate of house subject capping, immovable property certificate and other house value agreements provided by house mortgage.
In case of reconstruction or overhaul, it is necessary to provide the certificate of immovable property rights and the house value agreement, the appraisal certificate of C and D dangerous houses, the project contract signed with the construction unit, and the business license or qualification certificate of the construction unit.