Are you buying a house together? If you can't sign up, buy a house in your boyfriend's name and borrow the provident fund to repay the loan. Your name Buyer Zhuang Provident Fund Loan Method Provident Fund Repayment.
Second, how to apply for housing provident fund loans in different places?
Provident funds cannot be used for loans to buy houses in different places. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. This definition of housing accumulation fund contains the following five meanings: (1) Housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents do not implement the housing provident fund system, and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the individual contributions of employees are withheld by the unit, they will be deposited into the individual account of housing provident fund together with the unit contributions. (4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (5) Housing provident fund is a personal housing savings fund for employees' housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account. According to the above regulations and credit business regulations, it is not allowed to buy a house with housing provident fund loans in different places. You can try buying a house in another way. There are many ways to buy a house now, and it is not cost-effective to buy a house with a bag.
Third, how to use the provident fund loan to buy a house?
In a blink of an eye, it's job season again. After graduation, many friends will choose to work in first-and second-tier cities. After all, there are many job opportunities and good wages in big cities. Generally, the proportion of "five insurances and one gold" is relatively high. But it's too difficult to live in a big city and have a real home of your own! The house price is too high for the mortgage to bear. Some friends are forced to choose to go back to their hometown or buy a house in a nearby city. In this case, can provident fund loans with lower interest rates come in handy? Many small partners actually don't know much about buying a house in a different place with provident fund loans. In order to save some money when you buy a house in a different place, I will tell you a little trick today ~ of course! But the rules of use vary from place to place. At present, local policies can be roughly divided into the following three categories: 1. Realize loans in different places in the province. Such as Zhengzhou, Nanjing, Shenyang, Jinan, Kunming and Lanzhou. 2. Loans from different places to achieve interoperability in specific cities. Take chestnuts for example. Wuhan, Changsha, Nanchang and Hefei in the central part form the "Central Triangle Alliance". If you buy a house in any of these four cities, the provident fund can be loaned in different places. 3. Realize the national off-site loan of provident fund. The provident fund you paid in other cities can be loaned in the following cities: Beijing, Shanghai, Chongqing, Hangzhou, Harbin, Guangzhou, Shenzhen, Tianjin, Xiamen, Hainan, Taiyuan, Xi, Xining, Yinchuan, Chengdu, Guizhou and Shijiazhuang. But there is a very important point here: it is not supported to pay the provident fund in the above 17 cities and want to buy a house in a different place! These are some policies that Xiao Zhao learned. Relevant local regulations will be updated from time to time. Everyone must abide by the regulations of the local provident fund management center! Before buying a house, friends must know the local provident fund center in advance! Buying a house is a major event in life, so don't be careless! In fact, it is similar to a regular provident fund loan. On this basis, three conditions are added: 1. Certificate of deposit of provident fund in different places II. Details of employee provident fund deposits in the past 12 months 3. The first two items of proof that you have real estate under your name are proof that you have paid the housing provident fund normally in your work unit, which is simple to handle and can be obtained through the provident fund center that pays social security; The third item is to verify whether you have the loan conditions. Generally, only the first suite or the second suite can use provident fund loans, so it is a little more complicated. You need to go to the real estate trading center where you work, buy a house and register, and get the certificate of no room or first suite. The details of the off-site provident fund loan are like this. More details can be learned through the local housing provident fund center! In addition, check the provident fund, go to the China Merchants Bank App, and the latest welfare activities are waiting for you ~ haven't you seen enough exciting content? Come to the App community channel of China Merchants Bank, and you will find financial hotspots, knowledge, dry goods and financial skills! Small coup to accompany you slowly wonderful ~ related questions and answers: housing provident fund can be borrowed from different places to buy a house? Legal analysis: actually, it is possible. This situation belongs to the housing provident fund loan in different places. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures. General loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time. . The off-site provident fund loans mainly include employees who have paid the housing provident fund in full for more than 6 months (inclusive), and can apply for individual housing loans for housing provident fund. The loan target is the paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Legal basis: Notice of the Ministry of Housing and Urban-Rural Development on the Operation of Personal Housing Loan with Housing Provident Fund (1) The Loan City Provident Fund Center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time. (II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled. (3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places. (four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account. (5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract. Related Q&A: Can the housing provident fund borrow money from different places to buy a house? Yes, you can. Application conditions 1. The loan applicant must pay the housing provident fund on time, in full and continuously within 6 months before the loan application date, and has not defaulted on the housing provident fund within 2 years before the loan application date; 2. The loan applicant shall be an employee who has paid the housing provident fund for the provinces and cities outside the administrative area of this Municipality, and one of the husband and wife is registered in this Municipality and buys self-occupied housing in this Municipality; 3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department); 4, a stable source of economic income and the ability to repay the principal and interest on time; 5. The guarantee method recognized by the Center can be provided as repayment guarantee or securities recognized by the bank as pledge; ; 6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans. Housing provident fund loans are targeted at paid-in families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses. The "first set of self-occupied housing" and "second set of self-occupied housing" as mentioned in these Guidelines refer to the self-occupied housing purchased by employees' families (including loan applicants, spouses and their minor children) under the following circumstances: both the husband and wife of the material loan applicant and the owner of the purchased housing must go through the relevant formalities for provident fund loans at the same time. And provide the following information (original) according to the purchase situation: (1) Purchase of local commercial housing and affordable housing: 1, ID cards and household registration books of both husband and wife of the loan applicant and the owner of the purchased house (the loan applicant or the owner of the purchased house is single, only need to provide his own materials); 2. Proof of marital status (if the loan applicant or the owner of the house purchased is single, a declaration of marital status must be filled out on the spot, and if he is single due to divorce or widowhood, a valid proof of divorce or widowhood must be submitted separately); 3 real estate management departments for the record of the purchase contract; 4. Purchase invoices; 5, the current deposit of urban housing provident fund management center issued by the "off-site loan workers housing provident fund deposit certificate" (both husband and wife in different places to deposit housing provident fund, must be provided); 6. The original detailed list of housing provident fund deposit issued by the current urban housing provident fund management center and stamped with the official seal or special business seal, with a cumulative deposit period of more than 36 months (if the deposit period is less than 36 months, all should be provided) (both husband and wife provide the housing provident fund deposit in different places); 7, "housing provident fund individual housing loan housing loan application form" (fill in on the spot); 8. Letter of commitment on the proportion of the borrower's property rights (filled in on the spot); 9, "housing provident fund individual housing loan applicants and family members" (fill in on the spot). (2) Purchase of local stock houses: 1, ID cards and household registration books of both husband and wife of the loan applicant and the owner of the house to be purchased (the loan applicant or the owner of the house to be purchased is single, only need to provide personal materials); 2. Marriage certificates of both husband and wife of the loan applicant and the owner of the house purchased (if single due to divorce or widowhood, valid divorce or widowhood certificates shall be submitted respectively); 3, the real estate management department for the record of the stock room sales contract; 4. The seller's house ownership certificate, house ownership certificate, state-owned land use certificate or immovable property certificate; 5. Proof of paid house payment; 6, the current deposit of urban housing provident fund management center issued by the "off-site loan workers housing provident fund deposit certificate" (both husband and wife in different places to deposit housing provident fund, must be provided); 7. The original detailed list of housing provident fund deposit issued by the current urban housing provident fund management center and stamped with the official seal or special business seal, with a cumulative deposit period of more than 36 months (if the deposit period is less than 36 months, all should be provided) (both husband and wife provide the housing provident fund deposit in different places); 8, "housing provident fund individual housing loan housing loan application form" (fill in on the spot); 9. Letter of commitment on the proportion of the borrower's property rights (filled in on the spot); 10, housing provident fund individual housing loan applicants and family members (to be filled in on the spot). Note: 1. If the spouse of the loan applicant is an active-duty soldier, he/she must provide the military officer's certificate and the original certificate of active-duty officer issued by the political department, military affairs department or organization and personnel department of the army. 2. Other materials required by the Center shall be provided if the employee's family has other circumstances. 3. From June 65438+1October 65438+1October 5, 2020, the personal housing loan interest rate of the second set of self-occupied housing provident fund for employees' families will be 1. 1 times the personal housing loan interest rate of the first set of housing provident fund for the same period. The number of employee family self-occupied housing units is determined according to the loan information records of borrowers and their spouses in the housing provident fund management system of our city. 4. The second loan application can only be handled again in the month after the first loan is paid off. Provident fund loan amount (I) The borrower meets the loan conditions, and the provident fund loan amount meets the following requirements at the same time, taking the lowest value of the following limit standards: 1. The remaining price of the total house price after deducting the specified proportion of the down payment. 2. Maximum loan limit for provident fund loans. 3, according to the loan applicant and his spouse housing provident fund deposit period, deposit balance to determine the loan limit. 4. The loan limit is determined according to the repayment ability of the loan applicant and his spouse. (2) Precautions 1. Determination of total house price: (1) The commodity house is the total price of the house purchase contract; The stock room is the lower of the declared price and the evaluated price; (2) If the total price of the commercial housing purchase contract includes the decoration price, the total house price shall be calculated by deducting the decoration price (the decoration price shall be directly deducted from the purchase contract; If the decoration price is not stipulated in the house purchase contract, it shall be deducted by 15% of the total house purchase contract price); 2. The deposit balance is based on the data of 12 the night before applying for provident fund loan. 3. If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount shall be the sum of the balance of the borrower's and his spouse's provident fund deposit multiplied by the corresponding multiple of their respective provident fund deposit years. 4. When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated. The overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance. 5. For loan applicants who meet the conditions of provident fund loans, if their spouses are active servicemen, the loan amount will be relaxed to 2 times of the loan amount of the loan applicant; 6. The monthly income shall be based on the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan. If the loan applicant has insufficient repayment ability, he can choose to reduce the loan amount, extend the loan term and increase the collateral (or guarantor) according to the requirements of the guarantee company.
4. Can I buy a house in a different place with five insurances and one gold?
Provident funds can be used to buy houses in different places, but there are certain restrictions. Provident fund loans in different places mainly include: employees who have paid the provident fund in full for 6 months or more can apply for provident fund personal housing loans, and the loan targets are employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. It should be noted that the policies on provident fund loans vary from place to place. For example, Wuhan needs to issue a certificate in the middle of the provident fund of the insured place, and you can apply for a loan in the middle of the Wuhan provident fund when you return to Wuhan. Chengdu can only apply for provident fund personal housing loans at the place where the household registration is located, and at the same time buy self-occupied housing at the place where the household registration is located.