A: If the employee's family meets the conditions for provident fund loans and has only applied for a housing provident fund loan once, but it has been settled. Workers' families (housing provident fund loan applicants and their spouses) who purchase houses within the five urban areas of this city have used housing provident fund loans, and can apply for housing provident fund loans again after they have settled for 2 years;
Workers' families who buy houses in Changle District and six counties and cities of this city (whether they are housing provident fund loan applicants or their spouses) have used housing provident fund loans, and they can apply for housing provident fund loans immediately after settlement.
That is, if you apply for provident fund loans to buy five urban houses this time, you must apply for housing provident fund loans again after the last provident fund loan (only once) has been settled for 2 years; Those who apply for housing provident fund loans in Changle District and six counties and cities can apply for housing provident fund loans immediately after the last provident fund loan (only once) is settled.
2. Q: One of the husband and wife is the Fuzhou Provident Fund and the other is the Fujian Provident Fund. Can husband and wife use provident fund loans?
Answer: 1. According to your description, one spouse pays the provident fund of the municipal government and the other pays the provident fund of the provincial government. If both husband and wife meet the following housing provident fund loan conditions, they can jointly apply for provident fund loans. If both husband and wife are property owners of the property, they can choose one of the municipal provident fund centers or the provincial provident fund centers to apply for provident fund loans.
(a) the purpose of the loan must be to purchase first-hand commodity self-occupied housing (excluding villas) and second-hand housing with independent property rights or property rights in Fuzhou;
(two) when applying for a loan, the applicant's housing provident fund account is in a normal state, and the housing provident fund has been paid in full monthly for more than 6 months (inclusive);
(3) To apply for a pure housing provident fund loan, the down payment ratio for the first purchase of a house by an employee's family within the five districts of this city (Gulou District, Taijiang District, Jin 'an District, Cangshan District and Mawei District) shall not be less than 30% of the purchase price, and the second down payment ratio shall not be less than 50% of the purchase price; In Changle District and six counties and cities (Minhou County, Minqing County, Fuqing City, Lianjiang County, Luoyuan County and Yongtai County), the down payment ratio for the first application for housing provident fund loans shall not be less than 30% of the purchased house price, and the down payment ratio for the second use of housing provident fund loans shall not be less than 40% of the purchased house price;
(4) There is no house or only one house under the name of the employee's family (excluding the house under this loan);
(five) the employee's family did not apply for housing provident fund loans, or only applied for housing provident fund loans but settled; Workers' families (housing provident fund loan applicants and their spouses) who have used housing provident fund loans in five urban areas of this city (Gulou District, Taijiang District, Jin 'an District, Cangshan District and Mawei District) can apply for housing provident fund loans again after they have settled for 2 years;
(six) to apply for housing provident fund portfolio loans, housing provident fund loans to undertake the implementation of housing loan standards confirmed by the bank;
(seven) the loan applicant has a stable occupation and income, a good reputation, and the ability to repay the loan principal and interest in full on schedule;
(eight) the loan applicant agrees to use the purchased house as the mortgage guarantee for the loan;
(nine) for commercial housing, the real estate sold by the developer has been filed in the provident fund center;
(10) Loan applicants for discount loans and housing provident fund portfolio loans shall also meet the conditions for commercial personal housing loans of the entrusted banks.
2. If both husband and wife are property owners and meet the conditions for provident fund loans, they can apply for provident fund loans from municipal authorities in the name of dual employees at Fuzhou Housing Provident Fund Center. If you choose the provincial party as the main lender, you can only apply for provident fund in the housing provident fund center of Fujian provincial units. For specific loan matters, please consult Fujian Provincial Housing Provident Fund Center.
3. Q: Can I still apply for a commercial loan to a provident fund loan?
Answer: According to the Notice on Adjusting the Policies Related to Personal Loan of Housing Provident Fund (No.2016 _ 2 of the Administrative Committee of Housing Provident Fund), in order to raise funds in time to meet the housing loan demand of employees, when the utilization rate of personal loan of housing provident fund reaches over 90%, the business of "commercial loan to provident fund loan" will be suspended, and it will be resumed as appropriate after the utilization rate of personal loan of housing provident fund falls below 90%.
From April 16 and 15, Fuzhou Housing Provident Fund Center suspended the business of "transferring commercial loans to provident fund loans" and resumed it as appropriate after the utilization rate of individual housing provident fund loans fell below 90%. At present, due to the high utilization rate of personal loans in our center (as of May 20021year, the utilization rate of personal housing loans in our center was 93.93%, and the utilization rate of subsidized personal housing loans was 94.9 1%), so the business of "commercial loans to provident fund loans" is still in a suspended state.
4. Q: The mortgage is a commercial loan and has not been paid off. Can I use the provident fund loan to buy a second suite?
Answer: When calculating the amount of provident fund loans, all the family liabilities (including your last commercial mortgage, etc. ) should be included. Excessive debt may not meet the conditions of provident fund loans.
Friendly reminder: pure provident fund loans, the monthly debt of employees' families is less than or equal to 60% of their monthly income. For portfolio loans, the monthly liabilities of employees' families are less than or equal to 50% of the monthly income of employees' families.
5. Q: Because the provident fund is temporarily sealed after leaving the company, can I still get approval to buy a house through the provident fund loan?
Answer: 1. According to the regulations, when applying for housing provident fund loans, the applicant's housing provident fund account must be in a normal state, and the housing provident fund has been paid in full and regularly for more than 6 months (inclusive). If your provident fund account has been sealed when you apply for provident fund loans, you do not meet the conditions for applying for provident fund loans, and you cannot apply for provident fund loans temporarily.
Second, if the provident fund loan is stopped due to job changes after approval, it will not affect the issuance of employee provident fund loans for the time being.
6. Q: I have borrowed money to buy a house and applied for provident fund mortgage. If I change jobs in the future, will the new company have no provident fund, which will affect the current loan? Can you repay normally?
Answer: It does not affect the housing provident fund loan to deposit it into the repayment account on time and in full every month. According to your situation, if you change jobs in the future and the new unit fails to pay the provident fund, you can repay the loan normally. The balance of the provident fund can be used to repay the repayment amount of last month every month until the balance is settled. You can also bring the original ID card and marriage certificate to the counter of the Provincial Provident Fund Center for loan repayment and loan suspension.