If you buy a house with a provident fund loan, you should write the name of the loan subject on the real estate license. The same borrower can be added to the provident fund loan, and the name of someone can also be added to the real estate license. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I write someone else's name when buying a house with my own housing provident fund?

Using my own provident fund loan to buy a house, I need to agree whether to write someone else's name on the real estate license, but my name must be there. Because the real estate license has its own name, you can prove that you are buying a house and you can apply for a provident fund loan.

Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. 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.

Extended data:

The intended use of the loan

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.

Repayment method

According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:

1, 1-20 repay the loan principal and interest in cash to the loan bank every month;

2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months at one time, or deposit all the repayment amount in a nearby bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest to be repaid from the borrower's savings account.

The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.

1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.

2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.

Matters needing attention

The information to be provided includes the second-generation ID card, household registration book, marriage certificate, bank account, sales contract, income certificate, etc. If the transaction property is in Panyu District, additional bank flow is needed; Foreign household registration must provide tax payment certificate or social security certificate for more than one year; If there is repayment, it is necessary to provide proof of unit repayment, which needs to be approved by the provident fund center.

Can I write two names for housing provident fund loans?

Housing provident fund loans can be written in two names. Whether one person borrows money to buy a house or both parties jointly borrow money to buy a house, the property right of the house can be owned by many people, that is to say, two names can be added, or even multiple names can be added. But it should be noted that if the loan has been successfully handled, it is impossible to add a name at this time.

What conditions do provident fund loans need to meet?

To apply for housing provident fund loans, the borrower must also meet the conditions of commercial loans, and the borrower must be at least 18 years old and have full capacity for civil conduct; The borrower has a stable job and income and the ability to repay the principal and interest of the loan; The borrower's personal credit status is good.

As housing provident fund loans belong to welfare loans, borrowers still have certain requirements for provident fund. Only employees who have participated in the housing provident fund deposit can apply for housing provident fund loans. When applying for loans, they are required to pay the provident fund in full for half a year or one year. Only when the housing provident fund account is in a normal state can you apply for a housing provident fund loan.

In addition, when applying for housing provident fund loans, borrowers and their spouses can only apply for low-rent housing provident fund loans if there is no outstanding housing provident fund loans. The loan conditions stipulated by housing provident fund management centers in different regions are slightly different, and borrowers need to meet other conditions stipulated by local provident fund management centers.

Restrictions on handling provident fund loans

1. Limit of loan amount: there are certain limits on the loan amount of provident fund. Every city has a maximum loan amount for housing provident fund, and the amount of provident fund loans applied by borrowers cannot exceed the limit set by the local provident fund management center. In addition, the amount of provident fund loan is also related to the borrower's repayment ability, the balance of personal provident fund account, the price of the house purchased by the borrower and other factors.

2. Loan term limit: the longest loan term of housing provident fund shall not exceed 30 years.

3. Time limit for lending: The lending time for housing provident fund loans is relatively short, and you can apply within one month. If it is slow, it may take several months, so many developers will refuse to use the housing provident fund loan to buy a house.

4. Restrictions on the use of areas: At present, most areas do not support housing provident fund loans in different places.

Jiu an yi ju

on sale

Reference price: the reference average price is 9500 yuan/_

Property address: opposite to Orit Community, No.786 Taihang East Street.

Property telephone number: 400-8 18-0066 to 0264 12.

Can a man add his girlfriend's name to a house with a provident fund loan before marriage? Will having a loan house under the woman's name affect the man's buying a house?

Before marriage, the man can add his girlfriend's name and use the provident fund loan to buy a house. A house in the woman's name belongs to the second purchase.

Can the provident fund be added to buy a house?

Can the provident fund be added to buy a house? The provident fund can be added to buy a house. After receiving the certificate, you can use the provident fund to join the repayment. In this case, it doesn't matter whether your name is on the real estate license. As long as the repayment is added, it means that the father and wife have property. If there is no provident fund, you must keep the evidence of buying a house. Once there is a divorce, you can prove that you have invested in buying a house. Materials required for housing provident fund loan: 1. Household registration books of the borrower and his spouse; 2. Resident identity cards of borrowers and their spouses; 3. Proof of the marital status of the borrower; 4. Proof of down payment for house purchase; 5. The credit status report of the borrower and his spouse printed by the bank; 6. Housing sales contracts or agreements that meet the legal requirements. Conditions for handling housing accumulation fund: 1. Individuals and their units must continue to pay housing provident fund for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Handling process of housing accumulation fund: 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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. You can add a name to the provident fund loan, but make sure the relationship between the person who adds the name and you, so that the relevant departments will tell you what documents you need to bring to add the name. After adding the name, the house will be owned by two people, and the two people will pay back the loan together. In case of dispute or divorce, the house will be evenly distributed. So you need to think about it before adding a name.