Buying a house in Yanqing, haven't you considered whether a small property right house can be a provident fund loan? What is the loan process of Yanqing small property housing provident fund? If these problems exist, buying a small property right house may be troublesome, which is not what everyone wants to see, so we need to know more about these contents in advance. I hope what I've arranged is helpful to you.

Can I buy a small property right house in Yanqing with a provident fund loan?

1, Yanqing small property right house refers to the house built on the rural homestead and can only be used for living and renting. If you can't get the house ownership certificate, you can't use the provident fund loan.

2 Yanqing provident fund loan refers to the loan enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

3. Yanqing provident fund loan refers to employees who have paid housing provident fund according to regulations for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha), and can apply for provident fund loan when the funds for buying a house, building a house or renovating or overhauling their own houses are insufficient.

The loan conditions of Yanqing are: 1, and the employees of the unit have signed a labor contract for more than three years (or signed a 1 year labor contract for three consecutive years); 2, normal continuous monthly housing provident fund deposit for a certain period of time; Not exceeding the statutory retirement age; 3. The borrower has a stable economic income and the ability to repay the principal and interest; 4. The borrower agrees to handle housing mortgage registration and insurance; 5. Provide local housing fund management and guarantee methods agreed by sub-branches;

What is the loan process of Yanqing small property housing provident fund?

Small property houses cannot apply for bank provident fund loans, but borrowers can find some more formal private loan companies to mortgage small property houses, carry out short-term loan turnover, and return the principal at maturity. The following information is generally required: 1. Need a household registration book, 2. Id card, 3. Proof of income (standard template provided by the lending bank), 4. Payroll card or income bank card running bill must be stamped by the bank, 5. Education.