What you should be talking about is mortgage. Commercial loans are unlimited. As long as there is, it is unilaterally produced by the bank and can be used for decoration. The company can do it, but the loan period is short. Li Men is used for housing and is supported by the state. After buying two suites with provident fund loans, Xiamen can no longer buy a house with housing loans. In other words, it is the welfare of the state to buy two sets with housing loans. Just go to the bank and you will know. Remarks: Restrict loans that are supported by the state. Think for yourself, you have money to pay back and good credit. Why don't banks give you loans and restrict you? He is eager for you to borrow money so that he can make money. Therefore, the housing loan and provident fund can be lent to you unilaterally, with short service life (the longest 10 year, usually 5 years) and high interest rate! You are under a lot of pressure! This is a unilateral bank loan.
Second, can I still use provident fund loans if I have had two loan records?
Hello, provident fund loans can only be used twice per person. If your previous loan record is not a provident fund loan, then you can still use the provident fund loan. If you have applied for provident fund loans twice before, you cannot continue to apply for provident fund loans.
Third, the provident fund that has been recorded twice cannot be loaned. Can't a business loan be used twice? ...
What you should be talking about is mortgage.
Commercial loans are unlimited. As long as you have good repayment credit and repayment ability, this is a unilateral loan from the bank. You don't have to do real estate, you can do decoration. The company can do it, but the loan period is short and the interest rate is high.
Housing loan twice, earmarked for housing, supported by the state. If you buy two suites with provident fund loans, and Xiamen recognizes housing loans, then you can't buy a house with housing loans when you sell one of them, you can only take commercial loans. On the other hand, you can use the housing loan to buy two suites, and then use the pure provident fund to buy them, which is the state's welfare to the provident fund.
Just go to the bank and check.
Remarks: Restrict loans supported twice by the state. Think for yourself, you have money to pay back and good credit. Why don't banks give you loans and restrict you? He is eager for a loan from you so that he can make money. There are two restrictions stipulated by the state, so housing loans and provident funds can be loaned for 30 years. Commercial loans are unilaterally lent to you by banks, with short term (longest 10 years, usually 5 years) and high interest rate! You are under a lot of pressure! This is a unilateral bank loan.
Fourth, I bought a house twice and raised the provident fund twice. Can I withdraw the provident fund for the third time now?
There is no limit to the number of withdrawals of housing provident fund. The withdrawal of housing accumulation fund is limited. According to the relevant regulations, the following conditions shall be met: (1) the unit where the employee works and the employee himself pay the housing provident fund in full every month; (2) Purchase, build, renovate or overhaul owner-occupied housing in accordance with Article 24 of the Regulations on the Management of Housing Provident Fund: 1; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses.
"Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house. 2. Retired employees, 3. Completely lose the ability to work and terminate the labor relationship with the unit. Those who leave the country to settle down, 6. Rent exceeds the prescribed proportion of family wage income, 7. The general procedure for withdrawing housing provident fund when an employee dies or is declared dead is as follows: (1) First, apply to the unit, and the unit will verify the relevant certificates submitted by the individual. If the conditions for withdrawal are met, the unit will fill in the Approval Form for Withdrawing Housing Provident Fund from the Individual and affix the reservation. (two) the handling personnel of the unit or individual employee shall go to the provident fund center (hereinafter referred to as the provident fund center for the establishment of housing provident fund accounts) for approval with the "Approval Form for Individual Withdrawal of Provident Fund" together with the original and photocopy of relevant certification materials. After the approval of the provident fund center is completed, the special seal for approval of provident fund shall be affixed to the Approval Form for Individual Withdrawal of Provident Fund filled in by the unit. (III) The handling personnel or individual employees of the unit go to the provident fund center where the account is opened to handle the transfer business with the Approval Form for Individual Withdrawal of Provident Fund approved by the provident fund center and the Transfer Voucher of Housing Provident Fund Management Center filled in and signed by the unit. The provident fund center will transfer the housing provident fund applied by the employees to the basic settlement account of the unit, and the unit will take it out and pay it to the employees.