What is the relationship between husband and wife * * and borrowers and buyers of loan accumulation fund?
Hello, dear.
Husband and wife are the same as the wife of loan and provident fund, and the payer is the husband and wife.
Two, both husband and wife meet the conditions of provident fund loans.
Legal analysis: Yes. Both husband and wife applying for housing provident fund loans must meet the following conditions: 1. Both husband and wife must have paid the provident fund and have a certain amount of housing provident fund in the housing provident fund account; 2. Both husband and wife must continuously pay the housing accumulation fund 1 year or more. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. 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.
3. Can husband and wife apply for provident fund loans together?
The provident fund can be jointly applied by husband and wife, which can increase the loan amount and loan period accordingly. It is recommended to use the provident fund if there is one.
Some property consultants may say that the commercial loan interest rate is not high, which is very cost-effective, but this is only temporary, and the commercial loan interest rate will rise when it goes up. Property consultants recommend you to use commercial loans because the procedures of commercial loans are simpler than provident funds, and the funds of commercial loans can be withdrawn faster.
Fourth, how to handle the repayment of husband and wife provident fund?
To repay the husband and wife provident fund, you only need to go to the provident fund management center to sign the husband and wife repayment agreement, then go to the bank with relevant information and go through the formalities with the help of the staff.