Can I apply for a provident fund loan to buy a second-hand house?
The amount of provident fund loan to buy a second-hand house is limited and generally not too much, so most people need to choose a combination loan. There are certain adjustments to the application for provident fund loans. You must pay a certain period of provident fund according to local policies before you can apply for a provident fund loan.
The advantage of using provident fund to buy second-hand houses is that the interest rate of provident fund loans is significantly lower than that of commercial loans in the same period; housing provident fund loans are available from a wide range of sources, and there are fewer age restrictions for second-hand houses; there are no restrictions on development bank accounts, so borrowing People are free to choose the bank for repayment.
If you repay the loan in advance, you can choose part or all of it without making an appointment; for partial repayment, you can choose to shorten the repayment period, equal repayment period, the same repayment period, reduce the repayment amount, or postpone the repayment. The loan period and the repayment method are increased.
Which second-hand houses are not eligible for provident fund loans
1. Some friends want to know which second-hand houses are not eligible for provident fund loans? In fact, as long as you meet the provident fund loan conditions, you can use the provident fund. There is no clear second-hand house loan limit.
2. Provident fund loans can be used for second-hand houses, but depending on the age of the house, etc., the loan amount may decrease, and if the house is more than 30 years old, the house is relatively old, and the provident fund The management center will reject the loan directly.
Please click to enter the picture description (maximum 18 words)
Calculation of Handan Provident Fund Loan Amount
Legal Analysis: The maximum amount of personal housing loan for Handan Housing Provident Fund is 60 Ten thousand yuan.
For other provident fund loan amounts less than 600,000 yuan, the minimum value shall be calculated based on the following conditions (calculated in units of thousands of yuan):
(1) Maximum loan ratio. The loan ratio for commercial housing shall not exceed 80% of the total housing payment; the loan ratio for second-hand housing shall not exceed 60% of the total housing payment.
(2) The sum of the monthly loan principal and interest repayment shall not exceed 50% of the total monthly household income.
(3) The loan amount shall not exceed the total house price minus the paid house price.
(4) The maximum loan amount shall not exceed: the normal payment period of the borrower and his wife (the number of consecutive payment months/12) × 60,000 yuan (the borrower’s monthly payment amount × the spouse’s continuous payment months) Monthly payment amount × consecutive payment months) × 10 yuan.
Legal basis: Article 16 of the "Housing Provident Fund Management Regulations" The monthly payment amount of employees' housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund payment ratio. The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.
What materials are needed for a provident fund loan in Handan?
What materials are needed for a provident fund loan in Handan?
Application materials
1. "Certificate of Housing Provident Fund Payment and Use of Employees Loaning from Other Places" provided by the Housing Provident Fund Management Center of the city at or above the prefecture level in the place of employment. (If both husband and wife pay housing provident funds in different places, both spouses need to provide; one original copy will be kept by the center, and the certificate format will be provided by our city’s housing provident fund management center)
2. Complete the "Handan City Personal Housing Provident Fund Loan Approval Form".
3. ID cards and household registers of the applicant and his/her spouse; if the borrower’s spouse is a military official (including non-commissioned officers), a valid uniform certificate of the military must be issued.
4. Marriage certificate or proof of marital status issued by relevant departments.
5. If a third party provides a loan repayment guarantee for the borrower, the third party’s ID card and household registration booklet shall be provided.
Materials required to apply for commercial housing:
1. "Commercial Housing Sales Contract" signed by the applicant and the development company.
2. The applicant pays the down payment to the development company and the "Uniform Invoice for Sales of Real Estate" (second copy) issued by the development company.
3. "House Notice Registration Certificate" issued by the housing management department.
4. "Certificate of Payment and Use of Housing Provident Fund for Employees with Off-site Loans" issued by the Housing Provident Fund Management Center of the place of employment.
5. Other loan materials required by the management center.
Second-hand housing loan materials:
1. "Handan City Existing House Sales and Purchase Contract" signed by the buyer and seller at the housing management department.
2. The buyer deposits the down payment into the supervision account designated by the housing management department, and the supervision bank issues the "Handan City Transaction Settlement Fund Supervision Certificate" to the buyer.
3. Property value appraisal report that has been transferred to the borrower’s name.
4. If the provident fund is paid in another place, the provident fund deposit place shall issue a provident fund deposit certificate and payment details for the past six months, a provident fund loan status certificate, and a social security deposit certificate issued by the social security agency.
5. The tax payment certificate for paying the deed tax to the tax department when handling the transfer of real estate.
6. The "House Ownership Certificate", ID card, and household registration book of the original property owner.
7. "Certificate of Payment and Use of Housing Provident Fund for Employees with Off-site Loans" issued by the Housing Provident Fund Management Center of the place of employment.
8. Other loan information required by the management center.
Can provident fund loans be used to buy second-hand houses?
Can provident fund loans be used to buy second-hand houses. However, there are certain restrictions on the purchase of second-hand houses with provident fund loans, such as:
1. When using provident fund loans, the house area cannot be larger than 144_;
2. When purchasing second-hand houses using provident fund loans, The borrower's age and the application period for Yinhuan Loan Fengdakai, combined, cannot exceed the legal retirement age, and professional and technical personnel can extend it by 5 years;
3. If the second-hand house is more than 15 years old, the house must be The age plus loan period cannot exceed 30 years;
4. The second-hand house purchased must belong to commercial housing, affordable housing, and price-limited commercial housing in order to use provident fund loans, but small property rights houses such as second-hand apartments cannot Use provident fund loans. Imitation
"Housing Provident Fund Management Regulations"
Article 26
Employees who pay housing provident funds shall not When living in housing, 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 a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.
The risks of housing provident fund loans are borne by the housing provident fund management center.
This ends the introduction of Handan second-hand housing provident fund loan and the new process of Handan second-hand housing provident fund loan. I wonder if you found the information you need?