First of all, answer directly.

The balance of the provident fund cannot be used to pay the down payment of the house, because the provident fund can only be withdrawn after it is used first, that is to say, only after buying a house can relevant supporting materials be provided for the withdrawal of the provident fund.

Second, the specific analysis

It should also be noted that the down payment of the house can only be paid with its own cash, and it is impossible to apply for a loan to pay the down payment. Otherwise, once it is discovered by the bank, it will inevitably affect the approval of the mortgage, and the bank is likely to worry about the lack of repayment ability and will probably refuse to approve the loan.

Although the provident fund cannot be used to pay the down payment, it can be used to repay the provident fund loan and use the balance of the provident fund in the account to offset the mortgage.

In addition, if you don't have real estate under your name and want to pay rent beyond the prescribed proportion of family income, you can also apply for withdrawal of provident fund; In addition, if the labor relationship with the unit is terminated or terminated, the account is sealed for more than 6 months or the payment is stopped for more than 24 months and the account is sealed, you can also apply for withdrawal of the provident fund; As well as retirement, leaving the country to settle down, enjoying the minimum living guarantee, and family life is particularly difficult, you can also withdraw the provident fund for use.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can clearly understand the problems existing in your online loan big data in Winnie Hsin, make an accurate and comprehensive inquiry, and solve the problems in online loan big data in time.

3. Can I use provident fund for mortgage down payment?

Housing provident fund can't be used to pay the down payment of mortgage. If you want to borrow money to buy a house, you must pay the down payment of the house with your own cash before you can apply for a provident fund loan. According to the balance of the provident fund deposited in your provident fund account, you can get the corresponding funds to pay the remaining house payment.

If there is enough balance in the provident fund account, you can also apply for provident fund loan repayment business while handling provident fund loans, and offset the mortgage principal/principal and interest with the provident fund balance in the account.

Of course, those who have not paid the housing provident fund can also apply for loans to buy houses and personal commercial housing loans.

If the person who has paid the provident fund has insufficient balance of the provident fund and the amount of the provident fund loan applied for is not enough, he can also apply for a portfolio loan (that is, the portfolio of the provident fund lender's loan).

But no matter what kind of mortgage, the down payment of the house usually needs to be paid with its own cash.

After paying the down payment, you can sign a house purchase agreement with the real estate developer, and then apply for a mortgage with the down payment receipt and personal information.

Second, * * * Can the down payment of a property right house use the provident fund?

* * * Property right house down payment cannot use provident fund. You can use provident fund loans.

There are certain conditions for withdrawing the provident fund. You can buy a house to withdraw the provident fund, or rent a house to withdraw the provident fund.

3. Can housing provident fund loans be used for housing down payment?

In principle, the down payment cannot be paid by the provident fund. The application for provident fund needs to be handled with the proof of purchase, and you can't get the proof of purchase without the down payment. However, if the developer can provide you with proof that you have paid the house price and clearly issue your credit limit certificate (you can add up your down payment and loan amount), you can use this certificate as the provident fund.

Fourth, the down payment for a 600,000 house is 6.5438+0.5 million. How much mortgage is paid with the housing provident fund loan every month?

The provident fund will be repaid in 20 years, with an annual interest rate of 3.25%. As shown in the figure, the principal and interest are repaid in equal amount, and the monthly interest is 2552.38 yuan. The average capital in the first month was 3,093.75 yuan, with a monthly decrease of 5.07 yuan.

The longer the repayment time, the more interest and the lower the monthly payment.