My husband and wife each used a commercial loan to buy a house before marriage. Can I use my wife's provident fund to buy another suite? According to the principle of "mortgage customers recognize the house and the loan", you * * * have two loan purchase records, so if you buy a house again, it belongs to the third suite. At present, the provident fund has stopped lending the third suite, even if it is purchased with a commercial loan.
Second, what are the conditions for the withdrawal of the third suite provident fund in Beijing?
The third suite can also withdraw the provident fund if it meets the requirements. The conditions for employees to withdraw housing provident fund are as follows:
1, the unit is in arrears with the housing provident fund for more than three months (inclusive).
2. The time interval between the last house purchase and loan application is less than 12 months.
The owner of * * * is an immediate relative of another family.
4. Family members have applied for loans and the loans have not been settled.
5. The maximum number of overdue periods in the credit report of the same borrower is higher than 6 periods (including 6 periods, excluding student loans).
6. I and I * * * co-borrower have not repaid in the loan system of the management center for more than 6 consecutive periods (including 6 periods).
7. The total balance or guarantee of my debts with * * * co-borrower exceeds 654.38 million yuan (including 654.38 million yuan).
8. The depositor who pledged the housing provident fund for others has not settled the loan.
9. Obtain the ownership of real estate by other free means such as gift and inheritance.
10. Property transferred due to creditor's rights and debts (except the sale of real estate).
1 1. I and * * * have bad records in the management center because of illegal use of housing provident fund.
12. The property belongs to one spouse.
13, the house price was paid in full, but the property right certificate and land certificate were not handled.
14. The collateral is affordable housing or property houses with restricted listing and trading.
3. Can Beijing use the provident fund loan to buy a third suite?
Our husband and wife bought a house with a commercial loan before marriage, and our wife's house has been sold. Can I use the provident fund to buy another suite now? A lender replied: according to the current principle of "recognizing the house and recognizing the loan", you two have a record of buying a house with loans twice, so if you buy a house again, it belongs to the third suite. At present, the provident fund has stopped lending the third suite, even if it is purchased with a commercial loan.
4. Can I use the provident fund loan for the third suite?
Lawyer analysis, the third suite can not use provident fund loans. There are many restrictions on the use of provident fund loans: 1, and those with bad loan records or bad credit records are restricted. 2. I have bought houses with provident fund loans twice. 3. The lender has paid the local housing provident fund account for one year, counting forward from the date of applying for the housing provident fund loan, and has continuously (must continuously) paid the housing provident fund for more than one year. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees may withdraw the balance of the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.