Provident fund loans to buy a house, the interest rate will be lower than commercial loans to buy a house When you pay the provident fund, you usually only pay yourself. So who is the owner of the house who uses the provident fund to write? Let's take a closer look with Bian Xiao.

Who is the owner of the house with provident fund?

1, regardless of whether the house is bought by provident fund loan or commercial loan, who is the main lender of the loan, then write the owner of the house and whose name is written on the real estate license. The main lender of the loan will inevitably be one of the property owners, that is to say, whoever uses the housing provident fund loan must have this person's name. In addition, * * * borrowers for loans can be added, and * * * owners who are the same as * * * borrowers can be added to the real estate license.

2. At present, provident fund loans are generally based on families. If the husband and wife jointly buy a house to repay the loan and the share of the real estate is recognized, then the name of one or both parties can be written on the real estate license. The criteria are as follows:

(1) When determining that both husband and wife have housing provident fund accounts, priority should be given to the spouse with higher and stable income, and attention should be paid to the age limit of the lender, otherwise the loan period of the provident fund will be affected.

(2) If the husband and wife repay the loan jointly, then when determining the main lender of the loan and its spouse, it must be decided according to the actual situation. Under normal circumstances, in the housing loan contract of the loan bank, only one party needs to be regarded as the "lender", that is, the main lender, and its spouse is the sub-lender.

3. Because the minor children can't repay the debts and can't be used as the mortgagor of the debts, the names of the minor children can't be written separately on the real estate license.

4. If you use your father's housing provident fund loan to buy a house for your underage son, then you can't just write your son's name on the real estate license. If you only write your son's name, it will not meet the conditions for the use of the housing provident fund. Therefore, only the father and son names written on the real estate license meet the basic conditions for buying a house with a provident fund housing loan.

5. When using the provident fund loan, the owner of the provident fund should be the main lender of the loan in the purchase contract and the loan information provided.

Who is the main lender of provident fund loans to buy a house, then the owner of the house will write who, and whose name will be written on the real estate license. The above is an introduction about who the householder writes about buying a house with the provident fund. Friends who want to apply for housing provident fund loans can learn more about it.

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