Because the company just paid the housing provident fund in June this year, but it is anxious to buy a house, the interest rate of ordinary bank loans is now high. I wonder if the following methods ar

Because the company just paid the housing provident fund in June this year, but it is anxious to buy a house, the interest rate of ordinary bank loans is now high. I wonder if the following methods are feasible? The policies of provident fund loans vary from place to place, but the basic models are similar.

If it is the first time to buy a house, it should be that the provident fund has accumulated for one year, and you can use the real estate license to mortgage the loan.

There's a detail,

What is inconsistent with the provisions of the provident fund is whether the provident fund can only lend houses purchased this year.

If this is confirmed, I suggest you take the first loan method you mentioned.

The second method is a bit troublesome to solve, and the banking industry is unwilling because you pay less interest.

Because the provident fund loan is a local policy, you'd better consult your provident fund management center.

The answers they provided were authoritative, accurate and effective.

There is nothing to be embarrassed about the loan. They won't laugh at you if you save money for yourself.