If you already have a loan, but the loan is not a mortgage, then you can apply for a provident fund loan. Moreover, there are already loans, and the outstanding loans are provident fund loans, or two mortgages have not been settled before, so you cannot apply for provident fund loans. Generally speaking, users can apply for provident fund loans as long as they meet the conditions of provident fund loans.
If there is a loan before, as long as the debt ratio is not very high and the user still has the repayment ability, he can also apply for a provident fund loan.
Can I use the provident fund after I have borrowed money to buy a house?
This is not necessarily, mainly depends on what house to deal with.
First of all, if you have borrowed money to buy a house, but haven't paid off the loan, you can use the provident fund loan. After all, the provident fund loan is far lower than the expected annualized interest rate of commercial loans, and it is definitely more cost-effective than commercial loans.
Secondly, houses with provident fund loans for more than one year cannot use provident fund loans again. Specifically, the local policy is that housing provident fund loans can only be used for the purchase, construction, renovation and overhaul of self-occupied housing to withdraw provident fund.
Can banks still use provident fund loans to buy houses when they have loans?
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Buying a house is a distant thing for many people, so buying a house with a loan has become the first choice for most people. For many property buyers with better economic ability, they will also choose loans to buy a house, so that they can have more funds for investment. Of course, buying a house is also a good investment, so we will try to choose a loan to buy a house. If the bank has a loan, can it still use the provident fund loan to buy a house? Let's take a look with Qijia. Com experts.
1. Can banks use provident fund loans to buy houses?
No, because one of the conditions for applying for provident fund loans to buy a house is that there are no outstanding provident fund loans under the name, which means that you can't apply for a bank again if you have outstanding provident fund loans. If the outstanding loan is a commercial loan, it has no effect on applying for a provident fund loan to buy a house.
2. What are the requirements for applying for provident fund loans?
1. To apply for provident fund loans, I need to provide legal and valid identity documents to prove that I have relevant civil capacity and avoid the situation that I can't get loans. /kloc-minors under 0/8, I can't apply.
2. The loan applicant himself requires a good credit investigation record. If the spouse * * * repays together, it is also required that the spouse's credit record is good in order to meet the relevant audit standards.
3. At the same time, it is necessary to ensure that the applicant has a legitimate occupation and a stable economic income to avoid the situation that the monthly payment cannot be repaid on time.
4. The loan applicant can only apply for the relevant provident fund loan if there is a real demand for house purchase. Therefore, when he applies for a loan, he needs to issue a purchase contract, and his purchase behavior must occur within one year. Moreover, the purchased house requires clear ownership and legal procedures. If it is a small property right house, it does not meet the conditions for applying for a loan.
Editor's summary: The above is an introduction about whether banks can use provident fund loans to buy houses and whether there are outstanding provident fund loans. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com information.
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