Commercial loans can be used as provident fund loans, and commercial loans and provident fund loans do not affect each other.
1. Personal housing portfolio loan means that borrowers who meet the requirements for personal housing commercial loans can apply for personal housing provident fund loans at the same time as they apply for personal housing commercial loans, and borrowers can apply for personal housing provident fund loans and personal housing commercial loans at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral.
Second, if the user fails to pay off the commercial loan, the down payment for applying for the housing provident fund loan again should be calculated as the second suite, with the minimum down payment ratio of 50% and the interest rate of 10%.
How to withdraw provident fund from commercial loans to buy a house?
1. The unit verifies the relevant extraction certification materials and copies provided by employees, and the qualified managers of the unit fill in the extraction application form and extraction list uniformly printed by the management center, and apply to the account opening management department with the original and copies of relevant certification materials.
2. The cabinet-receiving personnel of the management department shall review the extracted materials, quotas, times and personal account information according to the Management Measures for Extraction. To meet the extraction conditions, go through the extraction procedures; For those who are not allowed to withdraw after examination, inform the reasons for not allowing withdrawal; For special circumstances can not be answered in time, should consult the director of the management department and the relevant departments of the management center, and give a clear answer to the unit within three days.
3. After the cumulative withdrawal amount of the extractor reaches the extractable limit, it can apply for withdrawal again for other reasons.
4. If the withdrawal money is not transferred to the designated account within 3 working days, the unit or individual can inquire through the management department.
5 housing provident fund extraction in principle by the unit manager. When there is a dispute between the individual and the unit on the withdrawal of housing provident fund, the management department shall coordinate when the unit does not handle the withdrawal procedures of housing provident fund for employees.
6. If the employees sealed in the centralized warehouse meet the extraction conditions, they can go through the extraction procedures at the management department with the original and photocopy of their ID cards, their savings account numbers and relevant supporting materials. After receiving the cabinet, the management department will handle it according to the procedure of personal extraction business.