In addition to buying a house, the provident fund can also be handled by building a house or building a house, or you can apply for a housing provident fund loan from the housing provident fund management center. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
How to use provident fund loans without buying a house?
Legal analysis: if you don't want to buy a house, but want to use the provident fund loan, the lender can apply for the provident fund decoration loan. Loan conditions for renovation of provident fund: 1. Lenders must have permanent residence or valid residence status in this city; 2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law; 4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price); 5. Have a stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit); 6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Can I use the housing provident fund loan without buying a house? How to get the surplus without buying a house?
The vast majority of property buyers generally consider using provident fund loans to buy a house, so can they use housing provident fund loans without buying a house? What should I do if I don't buy a house?
The vast majority of property buyers generally consider using provident fund loans to buy a house, so can they use housing provident fund loans without buying a house? What should I do if I don't buy a house?
Can I use the housing provident fund loan without buying a house?
If you don't buy a house, you can't get a loan. Housing provident fund is a special fund for commercial housing loans and housing management, and cannot be used for loans for other purposes. As the name implies, housing accumulation fund is related to housing, used for house purchase and decoration, and has no direct relationship with housing. You can apply for a commercial loan and then take out the provident fund to repay the commercial loan.
If you don't buy a house, you can apply for provident fund in the name of renting a house or building overhaul, serious illness, resignation, retirement, etc. The provident fund is earmarked and can only be used for family purchases. Moreover, it is stipulated that you can't use provident fund loans to buy commercial housing.
Extraction of housing consumption categories: purchase of self-owned housing such as commodity housing, private property housing, affordable housing and price-limited commodity housing; Building, renovating or overhauling self-owned houses on rural collective land; Repaying the principal and interest of self-owned housing loans; Employees without housing and loans rent houses.
Non-housing consumption category extraction: retired; Settle abroad; Dissolve the labor contract relationship with the unit and seal it up for two years; Receive unemployment insurance benefits; Total (or most) loss of working ability or severe disability (first or second degree disability), and termination of labor relations with the unit; Being sentenced to punishment and terminating labor relations with the unit; The account moves out of the city and terminates the labor relationship with the unit; Foreign hukou and termination of labor relations with the unit; The employee is dead or declared dead; Being included in the scope of minimum living guarantee or poverty relief for urban residents in this Municipality; Family members (oneself, spouse, minor children) suffer from serious diseases.
How to get provident fund loans without buying a house?
Workers who have established the housing provident fund system for more than one year and paid in normally can apply for housing provident fund loans when buying a house. Generally speaking, provident fund loans are about 1 percentage point lower than commercial bank loans in the same period. If you don't apply for a loan, employees can also use the balance of housing provident fund under the following circumstances.
1, purchase, build, renovate and overhaul the housing with the right to live;
2. Retired;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4, transferred from the city or household registration moved out of Laiwu area and settled abroad;
5. Dead or declared dead;
6. Repay the principal and interest of the house purchase loan;
7. Low family income makes it difficult to pay rent;
8. Enjoy the minimum living guarantee for residents; Poor families with low incomes should pay tuition and miscellaneous fees for their children to go to colleges and universities;
9, due to the dissolution of the unit, bankruptcy or resignation, dismissal and other reasons to terminate the labor relationship with the unit, after unemployment, life is difficult; I, my spouse and their immediate family members have serious difficulties in family life due to major diseases or other emergencies;
10. Rural residents who enter the city or work in various parks have to pay rent, and they have not signed a new contract when the contract expires.
Can you use the housing provident fund loan if you don't buy a house, and how to get the provident fund loan if you don't buy a house? From the above, you can withdraw the provident fund without buying a house. It should be noted that different cities need different materials and processes without buying a house to withdraw the provident fund. You can consult the local housing provident fund management!
Can provident fund loans be loaned without buying a house?
Calculate how much it will cost to decorate your home.
When it comes to provident fund, many people will immediately think of loans to buy a house. Indeed, buying a house with a provident fund loan has many advantages. Not only can the interest be calculated according to the benchmark interest rate, but there is no need to raise the interest rate, and part of the monthly payment can be deducted from the paid provident fund. So can I borrow a provident fund loan without buying a house? Let's take a look with Qijia. Com experts.
1. Can I get a provident fund loan without buying a house?
You can borrow money. Because the use of provident fund is not limited to buying a house, if the house is renovated or newly built, you can apply for a loan. As long as the loan applicant can provide the corresponding materials and meet the relevant policies of provident fund loans, he can apply for loans.
Second, what conditions should provident fund loans meet?
1, with legal identification.
The premise of applying for provident fund loans is to have valid identity documents, including household registration books and resident identity cards. Identity cards can only make applicants have full capacity for civil conduct.
2. It has been continuously stored for more than one year.
When applying for provident fund loans, there are requirements for the balance in the account and the deposit records, especially the deposit records. There can be no interruption or underpayment within one year before applying for a loan, and it will be unqualified if it is not paid in full.
3. There are relevant collateral.
Applying for provident fund loans is a purposeful behavior, that is, there must be a suitable reason and a clear purpose. If you buy a house with a loan, you must provide a house purchase agreement filed by the Housing Authority, so that you can mortgage it, and you must pay a down payment for the house you buy.
4. Have a stable income
Provident fund loans must have a stable income to repay, so there are certain requirements for the borrower's credit and income.
Editor's summary: The above is an introduction about whether the provident fund loan can be loaned without buying a house, and what conditions the provident fund loan should meet. 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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