Legal analysis: it is valid from the date of issuance of the real estate license 1 year. Beyond this time limit, in principle, you can neither apply for a loan nor withdraw the provident fund. The borrower's real estate appraisal statement is valid for half a year from the date when the appraisal agency issues the statement. If it exceeds the time limit, it is necessary to reapply for appraisal. If you choose to withdraw the provident fund first and then apply for a loan, the sum of the two amounts shall not be greater than the appraisal price given by the real estate appraisal. Previously, if the spouse did not set up a housing provident fund account, his salary income was not included in the family repayment ability test, which invisibly reduced the borrower's borrowing ability. In the future, even if the spouse does not have a provident fund account, he can play a role in provident fund loans, and his salary income can also participate in the evaluation of loan ability. Specifically, the spouse can prove his actual income by showing the salary income on the tax payment certificate, the income certificate issued by the unit, and the details of the salary card (or salary roster). , can be included in the borrower's annual household income loan ability review standards, in order to improve the borrower's borrowing ability.
Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to consider the housing provident fund value-added income distribution plan;
(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.