Can commercial and residential apartments use provident fund loans?

1. Can commercial and residential buildings apply for provident fund loans?

1. As long as employees who meet the housing provident fund standards are eligible to ask for housing provident fund loans, employees who do not meet the housing provident fund standards cannot ask for housing provident fund loans.

2. Those who also need to participate in the housing provident fund to meet the standards, apply for a housing provident fund personal housing loan, and meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to danger after issuing loans.

3. One of the husband and wife has asked 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 financial support to meet the basic housing needs of workers' families, and it is also a kind of financial support for housing security.

4. When making a housing provident fund loan request, the loan requester must have a stable income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very dangerous to borrow from the housing provident fund, which violates the principle of safe operation of the housing provident fund.

5. The longest term of provident fund loans shall not exceed 30 years. In the case of portfolio loans, provident fund loans and commercial and residential loans need to have the same loan term.

Second, the purchase of commercial and residential dual-use housing matters needing attention

In fact, there are two points to be clarified for commercial and residential dual-use houses: 1. The basic land service life of commercial and residential buildings is lower than that of residential buildings; The service life of ordinary houses is 70 years, while that of commercial houses is usually 540 years, rarely 70 years. 2. Commercial housing can be loaned, but mixed loans cannot be used, that is, provident fund cannot be used here. Moreover, the loan period is relatively short, generally 10 years, and the down payment ratio is relatively high, with 50% of the general loan and 50% of the down payment ratio.

The property certificate of dual-use house is clearly marked as commercial, although it is also complete with five certificates, but it is only superficial legal. If seriously investigated, the commercial real estate around residential planning is actually playing the "edge ball" of policy, which is a marketing tool and advertising strategy of developers. In addition, from the price point of view, its price is mostly 60% to 70% of the residential price in the same region, so it is more attractive.

The down payment ratio of commercial housing is required to be not less than 50%, and provident fund loans cannot be made. They can only use commercial loans with a term of 10 years, which also brings great pressure to property buyers. In terms of household registration, commercial and residential dual-use houses cannot lag behind. So even if there are better educational resources around them, they can't enjoy them.

In addition, according to the relevant regulations, non-residential projects generally do not force the planning of supporting service facilities, such as schools, businesses, neighborhood committees and so on. In other words, kindergartens, schools, medical institutions and corresponding old-age care services will not be forced. This virtually caused inconvenience to the life and study of property buyers. At present, most of the "commercial and residential" projects are planned as hotel-style apartments. A staircase often accommodates multiple households, making ends meet, and security issues are also worth worrying about.

3. What are the conditions for provident fund loans?

5. The longest term of provident fund loans shall not exceed 30 years. In the case of portfolio loans, provident fund loans and commercial and residential loans need to have the same loan term.