Self-built housing provident fund loans How to borrow self-built housing provident fund loan conditions

Can rural self-built houses be loaned by provident fund?

Legal analysis: Yes. Self-built housing loans must meet the following conditions:

1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current payment is normal.

2. Build self-occupied housing within three years.

3. The husband and wife have no outstanding loans in the provident fund or pledge the housing provident fund for others.

4. The credibility of both husband and wife needs to be good.

5. Guarantee recognized by the management center is required.

6. A family can have two housing provident fund loans at most.

housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.

in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.

Can self-built houses be financed by provident fund?

Rural self-built houses can be financed by housing provident fund. The conditions for applying for provident fund loans are as follows: 1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year; 2 have a stable economic income, good credit, and the ability to repay the principal and interest of the loan; 3. There are legal purchase (construction, renovation, overhaul) housing contracts, agreements and supporting documents approved by relevant departments; 4 the purchase of housing, should have paid not less than the prescribed proportion of the first purchase.

Legal basis

Regulations on the Management of Housing Provident Fund

Employees can withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1. Purchase, build, rebuild or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Leaving the country to settle down; 5. Repaying the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses have no own housing in Beijing and rent public rental housing or commercial housing, so they can withdraw their housing accumulation fund to pay the rent. ) 7, life is difficult, is receiving the urban minimum living allowance; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers, and the unit to terminate the labor relationship; 1. Being sentenced, sentenced or reached the national statutory retirement age at the expiration of his term of office; 11. Dead or declared dead; If the employee withdraws the housing provident fund in accordance with Article 4 (1), (5), (6), (7) and (8) of these Measures, the spouse may also withdraw the housing provident fund from his account.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

what materials do you need for a self-built housing provident fund loan? Conditions for self-built housing provident fund loans

1. What information are needed for self-built housing provident fund loans?

1. The applicant's ID card, household registration book and other identification certificates;

2. The account number of the applicant's provident fund;

3. Construction land use certificate and construction planning permit;

4. Property right certificate and land use certificate of the house;

5. Application form for housing provident fund loan;

6. If it is entrusted to others, the certificate of entrustment and the identity certificate of the trustee shall be presented;

7. Other information of the provident fund management center.

Second, how to apply for provident fund loans for self-built houses

Prerequisites for self-built house loans: 1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current payment is normal. 2. Build self-occupied housing within three years. 3, the husband and wife in the provident fund to receive no outstanding loans or provide housing provident fund pledge for others. 4. Both husband and wife have a good reputation (there are no bad records for three consecutive periods and accumulated more than six periods); 5. Provide a guarantee recognized by the management center. 6. A family can have two housing provident fund loans at most. Required information: 1. ID card, household registration book or marriage certificate of both husband and wife, ID card and unmarried certificate or unmarried certificate (valid for 7 days) for singles, and divorce certificate and divorce agreement for divorcees. 2. Borrower's own salary card and housing accumulation fund card. 3. Self-built houses need to provide land use permits, construction land planning permits, construction project planning permits and construction permits; For the construction and renovation of self-occupied houses in villages and towns, the approval for the use of rural homestead issued by the land department and the project budget shall be provided; Resettlement should provide compensation and resettlement agreement. 4, mortgage information, the building has handled the housing ownership certificate and land use certificate to provide two original certificates, and those who have not obtained two certificates provide guarantees recognized by the provident fund center (other real estate, housing provident fund pledge or valid securities, bank deposits, etc.). Loan process: application-loan officer review-management department approval-mortgage guarantee-signing contract-signing IOU and issuing loan processing time: after receiving complete information.

iii. loan conditions of self-built housing provident fund

loan conditions of self-built housing provident fund: the borrower has good credit, a stable occupation and income, has participated in the housing provident fund, and neither husband nor wife of the borrower has outstanding housing provident fund loans or housing provident fund discount loans, and has valid residence status.

Can rural self-built houses use provident fund?

Legal analysis: Yes. Rural self-built houses can use provident fund loans, and they can apply for loans if they meet the application conditions for personal construction, renovation and overhaul of self-built housing provident fund loans. Prerequisites for self-built housing loans: 1. The units and individuals where the applicant works have continuously paid the housing accumulation fund for more than 6 months, and the current payment is normal. 2. Build self-occupied housing within three years. 3, the husband and wife in the provident fund to receive no outstanding loans or provide housing provident fund pledge for others. 4. Both husband and wife have a good reputation. 5. Provide the guarantee approved by the management center. 6. A family can have two housing provident fund loans at most. You can use the provident fund for self-built houses in rural areas, but you must make sure that the homestead of rural houses is under your own or spouse's name. If you want to withdraw the provident fund, you need to provide relevant information, such as the planning permit for rural houses, the approval of the housing management department's homestead or the relevant documents for building houses, the purchase of building materials and invoices for other housing construction expenses. It is also necessary to hand over the ID card to the handling personnel of the unit provident fund, and the relevant unit personnel can apply for the provident fund at the management department.

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, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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.

conditions of provident fund loans for self-built houses in rural areas in p>222 Can I apply for provident fund loans for self-built houses?

I. Conditions of provident fund loans for self-built houses in rural areas

Housing provident fund loans can be used for self-built houses in rural areas. Requirements for applying for provident fund loans:

(1) The housing provident fund has been paid for one year, and the housing provident fund has been paid in full monthly for more than half a year; Have a stable economic income, good credit and the ability to repay the principal and interest of the loan; There are purchase (construction, renovation, overhaul) housing contracts, agreements and certificates approved by relevant departments;

(2) If the house is renovated or overhauled, it can pay the down payment or self-raised funds not less than the proportion of the expenses required for building, renovating or overhauling the house; The guarantee method recognized by the provident fund management center is that the house with property rights has been used as loan collateral, and the real estate company uses the house purchased by the loan as loan collateral, and at the same time provides joint or phased guarantee and housing provident fund joint guarantee.

2. How much can a rural self-built house loan borrow

The loan amount for rural housing does not exceed 5% of the total housing funds, which means that the borrower needs to pay half of the housing costs by himself. The specific loan amount will be determined according to the income level and repayment ability of the borrower, and the loan period will also be determined according to the qualifications of the borrower, usually not exceeding 5 years. The loan interest rate is .9 times of the benchmark interest rate of the central bank, and the upper limit is 2 times of the benchmark interest rate.

third, how to apply for provident fund loans for self-built houses?

(1) Receiving Form

Applicants need to go to the provident fund management center to receive the application form for provident fund loans and fill it out carefully, or they can choose to download the form online and fill it out.

(II) Submitting an application

After completing the form, the applicant should submit an application to the provident fund management center with the above information, and submit the information to the provident fund management center for verification.

(III) Examination by the Center

After accepting the applicant's application, the Provident Fund Management Center will examine the information provided by the applicant and inform the applicant of the results after the examination. If it fails, it shall explain the reasons.

(IV) Signing a contract

If the provident fund management center agrees with the applicant's loan application, the applicant can go to the local provident fund loan undertaking bank to apply for a loan and sign a loan contract.

(V) Handling the mortgage

After signing the contract, the applicant needs to go to the real estate transaction center to handle the mortgage and other formalities, and pay taxes.

(VI) Bank Lending

After all the formalities are completed, the bank will release the loan to the account designated by the applicant on the agreed date, and at this time, the provident fund loan is completed.

loan conditions of self-built housing provident fund

rural self-built houses can be loaned with housing provident fund. The conditions for applying for provident fund loans are as follows: 1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year; Have a stable economic income, good credit and the ability to repay the principal and interest of the loan; There are legal housing purchase (construction, renovation, overhaul) contracts, agreements and documents approved by relevant departments; 2, renovation, overhaul of housing, can pay not less than the prescribed proportion of the cost of construction, renovation, overhaul of housing down payment or self financing; The guarantee method recognized by the provident fund management center is that the house with property rights has been used as loan collateral, and the real estate company uses the house purchased by the loan as loan collateral, and at the same time provides joint or phased guarantee and housing provident fund joint guarantee. Information required to apply for housing provident fund: 1. Purchase of self-occupied housing, individual application, unit certificate, purchase contract and invoice (see the original and keep a copy); Divorce, retirement, personal application, unit certificate, divorce, retirement approval (original and photocopy); In-service death, the identity certificate of the entrusted extractor, the certificate of the extractor's unit, and the death certificate (original and photocopy); 2. Self-built self-occupied housing: individual application, unit certificate, and building approval procedures (original and photocopy of the permit); Renovation and overhaul of self-occupied housing, individual application, unit certificate, original and photocopy of relevant examination and approval procedures; Exit and settlement, individual application, unit certificate, exit and settlement certificate; Repayment of principal and interest of house purchase loan, individual application and unit certificate.

that's enough for the introduction of the loan conditions of self-built housing provident fund.