Retirees can make provident fund loans, but the sum of the borrower's age and the loan period shall not exceed 5 years after the statutory retirement age. Retirees should bring a copy of their ID card, application form for housing provident fund withdrawal, retirement certificate and other materials, and go through the withdrawal procedures at the bank after being audited by the provident fund management center. The interest of the provident fund and its personal account can be collected in full.
legal ground
Article 11 of the general rules for loans
The loan term shall be determined by the borrower and the borrower through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.
Article 25 of the Regulations on the Management of Housing Provident Fund
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Super detailed! How do retirees apply for housing provident fund loans?
Under the influence of the current house buying fever, houses are becoming more and more valuable, and many retirees are beginning to ponder the provident fund loans to buy houses. However, it is very difficult to handle the housing provident fund. Today, I will tell you how retirees apply for housing provident fund loans.
Loan information
1. The original and photocopy of the applicant's and his spouse's ID card, the original and photocopy of the household registration book, and the original temporary residence permit shall be provided for the foreign household registration.
2. Copy of the borrower's marriage certificate (original unmarried certificate provided by unmarried person)
3. Proof of income of both husband and wife
4. The purchase contract signed with the developer
5. The original and photocopy of the house purchase prepayment receipt.
6. The borrower's housing provident fund card.
Treatment process
1. The borrower carries the above-mentioned preparation materials, goes through the loan application formalities in the personal loan service hall of the provident fund management center, receives the loan application form and fills it out.
2. The Provident Fund Management Center transmits the loan information to the entrusting bank.
3. After the approval of the entrusting bank, notify the borrower to sign the loan contract and mortgage contract with the entrusting bank.
4. The bank staff led them to the housing management department to get the real estate license.
5. Issue a loan notice to the provident fund management center with the real estate license.
6. With the real estate license and loan notice, go to the entrusted bank to handle the loan issuance procedures.
About "how to handle the housing provident fund loan for retirees", I have already introduced it here. I can go to official website in advance to consult with the local provident fund management center.
Can a retiree's provident fund be loaned? What are the requirements?
Of course, the first choice for buying a house with a loan is a provident fund loan. Compared with commercial loans, provident fund loans have the advantages of low expected annualized interest rate and flexible repayment methods. Today, some netizens questioned whether retired workers can apply for provident fund loans. How to apply?
It is understood that you can also apply for provident fund loans after retirement. Retired workers who have paid the provident fund during their employment can still apply for provident fund loans after retirement. National management and municipal management can be done! Even if you handle the business of withdrawing the balance of the provident fund account after retirement, it will not affect your application for provident fund loans, but the borrower is required to be at least 70 years old.
The application conditions for provident fund loans are as follows:
1. Only employees who participate in the housing provident fund system are eligible to 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.
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.
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.
In addition, the longest term of provident fund loans cannot exceed five years after the borrower retires. For example, if you retire at the age of 65, the longest loan period can only be extended to the borrower's 70 years old.