(1) The loan object shall meet the following three conditions:
(1. 1) Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, while employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
(1.2) Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal housing loan: that is, they must have paid the housing provident fund continuously for at least six months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans.
(1.3) If one spouse applies for a housing provident fund loan, neither spouse may apply for a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
(1.4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic 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 risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.
(2) the loan must be earmarked:
The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.
(3) Have general housing loan conditions:
Applicants for housing provident fund loans should own housing equivalent to the purchase price.
20% and above self-raised funds; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.
Second, there is a suite under the name of husband and wife. Can I use the provident fund loan to buy a house again?
Provident fund loans: materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements. Conditions for handling housing accumulation fund: 1. Individuals and their units must pay the housing provident fund continuously for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Handling process of housing accumulation fund: 1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials; 2 loan banks should confirm and review the information after receiving the application; 3. After approval, the lending bank contacts the lender and signs relevant contracts; 4. When the bank lends money, the lender shall perform the repayment responsibility.
Third, only one of the husband and wife has a provident fund. If you want to make a provident fund loan, how much is the down payment?
The down payment ratio of housing provident fund loans refers to the proportion of housing purchases to total housing prices. The down payment for house purchase is necessary for families, and the difference can be applied for a loan to complete the full house purchase.
Under normal circumstances, the down payment deducted from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses.
Tips for housing provident fund loan to buy a house
1, housing provident fund loan down payment description: the provident fund cannot be directly used as down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund.
2. The maximum loanable amount of the housing provident fund loan is calculated according to the balance of the housing provident fund account:
The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.
3, the housing provident fund loan amount is calculated according to the maximum loan amount:
If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.
4. The total amount of housing provident fund withdrawal cannot exceed the total house payment.
5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time that both husband and wife use the provident fund loan to buy a house.
Fourth, how much is the down payment for buying a house with the housing provident fund?
20% to 30% According to China's relevant regulations, buying a house is generally based on the family. As long as it is the first house, the down payment cannot be less than 30% of the total house price. Because of the differences in each region, the relationship between real estate and provident fund management center is different, so the down payment of loans is also different. Personal provident fund loans to buy a house down payment ratio of 30%. _ The down payment of the house is calculated according to the loan amount, as long as it accounts for 30% of the total house price, but there is still a loan problem. For example, for the above-mentioned house with a total house price of 6,543,800 yuan, if the provident fund loan is adopted, both husband and wife can borrow 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan. Provident fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-funded enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Provident fund loans must be paid continuously for more than 12 months, and they are still being paid at the time of loan. You need to examine your family income and repayment ability to see how much money you can borrow. The total house payment is deducted from the loan amount, and the rest is also the down payment. Please give me some tips when buying a house with a housing provident fund loan: 1. Description of the down payment of housing provident fund loan: the provident fund cannot be directly used as the down payment of buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management department to withdraw the storage balance in their provident fund. 2 housing provident fund loan amount is calculated according to the balance of housing provident fund account. The calculation formula is: (balance of housing provident fund account, monthly contribution of provident fund ×2× statutory retirement months) × 23. The loan amount of the housing provident fund loan is calculated according to the upper limit of the loan amount: if one person applies for the housing provident fund loan, the upper limit of the loan amount is 500,000 yuan, and if two or more people buy the same house and apply for the housing provident fund loan, the upper limit of the loan amount is 800,000 yuan. 4. The total amount of housing provident fund withdrawal cannot exceed the total house payment. 5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time that both husband and wife use the provident fund loan to buy a house.