Must see: there are so many doorways for housing provident fund loans.

If you want to buy a house, you must first understand the purchase process. From the early stage to the field, when you are optimistic, you are ready to subscribe for the contract. At this time, it is necessary to consider whether to buy a house in full or by loan, and pay attention to the final acceptance of the house. Finally, we must know the process of buying and selling second-hand houses. This paper introduces the doorway of provident fund loan in house purchase, which is a must-see when buying a house.

Housing provident fund loans refer to mortgage loans issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment.

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

The specific loan policies for housing provident fund loans shall be formulated by the housing provident fund management centers in various regions. Therefore, the loan conditions, loan term and loan amount of housing provident fund loans vary from place to place. Therefore, it is best for borrowers to go to the website of the local housing provident fund management center to inquire about relevant policies or telephone consultation when applying.

What are the basic conditions for applying for individual housing provident fund loans?

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans. Let's analyze it in detail:

1. The loan object shall meet the following four conditions:

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(2) If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

(3) If one spouse has applied for a housing provident fund loan, neither spouse may obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

(4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

2, the purpose of the loan must be earmarked:

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.

(The above answers were published on 20 16-04-25. Please refer to the actual situation for the current purchase policy. )

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