Whether employees can use provident fund loans to buy a house mainly depends on whether employees meet the requirements of provident fund, approval and loan after signing the contract.
The main conditions for housing provident fund loans are as follows:
1. Only employees who participate in the housing provident fund system can apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. Those who participate in the housing provident fund system must meet the following conditions when applying for housing: they have paid the housing provident fund for a long time before applying for loans, and the behavior of paying the housing provident fund is abnormal and intermittent, indicating that risks are easy to occur.
3. If one spouse applies for housing provident fund, neither spouse can obtain housing provident fund loans. Because the housing provident fund loan is a kind of "housing security" finance that meets the needs of employees' families.
4. The loan applicant must be relatively stable and have 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.
5. The term of the provident fund loan shall not exceed 30 years. The loan term of industrial housing loans in portfolio loans must be consistent.
house
Article 25
Employees who withdraw the balance stored in the housing provident fund account shall obtain the certificate.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall accept the decision to approve or disapprove the withdrawal and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Article 26
Workers who pay housing provident fund can apply for housing provident fund loans to the housing provident fund management center when they live in housing.
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, by the housing public
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
Article 28
The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.
Housing provident fund is used for guarantee.
2. What public rental houses are there in Puyang?
Public rental housing in Puyang includes Gancheng Community near Panjin Road, Subei Road, and affordable housing in Four Seasons Flower City nearby. National Highway 65438, Fan Hui Expressway Puyang North Gate East 1.5km, there is Longxinyuan Public Rental Housing Community, which is connected to bus Qingfeng at the gate of 18. The house has a single room, a kitchen and a bathroom with more than 40 square meters, and four households have more than 600 square meters per month.
3. Can the new residence in Longcheng, Puyang County be provided with provident fund loans?
Whether employees can buy a house with provident fund loans is not directly related to the community where they buy a house. Mainly depends on whether employees meet the conditions of provident fund loans, and lend after approval and signing contracts.
The main conditions for housing provident fund loans are as follows:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are 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.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Regulations on the administration of housing provident fund
Article 25
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
Article 28
The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.
The housing provident fund management center shall not provide guarantees to others.
4. Why is the house in Longcheng's new home cheap?
The traffic is inconvenient and the environment is poor. 1. The new house in Longcheng is located in the plain, and the traffic is inconvenient. In order to facilitate sales, the price will be cheaper. 2. The greening rate of the new residence in Longcheng is low, there is no artificial lake, the environment is poor and the price is cheap.