If you meet the requirements, you can still use the second second-hand house as a family unit, but it depends on whether you pay the provident fund directly in the district or directly under the municipal government. The following are the conditions and procedures for withdrawing the municipal provident fund:
Letter of credit clause
1. Pay the housing provident fund in full and on time for more than 6 consecutive months (calculated from the date of loan application).
2. Have permanent residence in cities and towns or valid residence status.
3. Have the ability to repay the loan principal and interest on schedule.
4. There is a legal and effective purchase contract or fund-raising housing agreement.
5. More than 50% of the house price has been paid. Due to the great changes in national policies, it is best to consult the staff of the center for the down payment ratio.
Process:
1, apply. Borrowers Borrowers hold the Purchase Contract (or Fund-raising Housing Agreement) to the corresponding business outlets of the center to receive the application form, fill it out and submit the required valid certification materials. Make a decision on whether to lend within 10 working days from the date of acceptance.
2. Sign a loan contract. After the loan is issued, the borrower signs a loan contract and related contracts with the bank entrusted by the center, and goes to the Municipal Real Estate Bureau for housing mortgage registration.
3. Allocate loans. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract.
Central network:
Qingxiu District: Office Hall on the second floor of No.5 Roy Road, Tel: 077 1-5705837.
Xingning District: at the entrance of Ming Xiu Community, No.43 Ming Xiu East Road/KLOC-0, Tel: 077 1-33239 15.
Xixiangtang District: diagonally opposite the gate of Nishionishi School, No.85 Luban Road, tel: 077 1-329 1400.
Jiangnan district: in the gymnasium at No.3-4 Avenue of Stars, tel: 077 1-4853560.
PS: If in doubt, you'd better call the provident fund center first. If someone answers the phone, it's because of work, or a meeting or not.
The telephone number of District Provident Fund Loan Department is 077 1-55953 19, and the address is diagonally opposite to the Industrial and Commercial Bureau of District 6, Yibin Road.
Thank you for supporting the development of Nanning housing provident fund ~-w-
Second, can Nanning locals use the housing provident fund loan to buy a second suite after the purchase restriction order? ...
The process is as follows: (1) When employees withdraw the provident fund, they should first apply to the unit, and after verification by the unit, fill out the Application Form for Withdrawing the Housing Provident Fund (in duplicate) and the Detailed List of Withdrawing the Housing Provident Fund (in duplicate), and affix the official seal and financial seal; (2) The handling personnel or individual employees of the deposit unit hold the original and photocopy of their ID cards, the application form for housing provident fund withdrawal, the detailed list of housing provident fund withdrawal and the original and photocopy of relevant certification materials to the provident fund center for withdrawal; (3) The person in charge or the individual employee returns the transfer check to the financial department of the unit, and the financial department pays the employee cash according to the listed amount. You can withdraw the provident fund when buying a commercial house: if you don't have a personal housing loan after buying a commercial house you own, you must go through the formalities of withdrawing the provident fund within one year from the date of signing the contract. Over the time limit, the management center will no longer accept it. The provident fund can provide real estate license every year: A: my name-original real estate license and copy of ID card B: my spouse's name-original real estate license, copy of ID card and original marriage certificate. If you don't have a real estate license, you only need to provide a rental contract now, indicating that your current rental fee is relatively high, and then you can withdraw it with your ID card. The specific situation varies from place to place. I suggest you consult which bank your provident fund belongs to, and you need the information they provide when you withdraw it.
3. How does Nanning purchase improved housing under the purchase restriction order?
"20 1 Xishitiao" loan to purchase commercial housing, and the down payment ratio is adjusted to 30% or above; For families who buy a second house by loan, the down payment ratio should be strictly implemented at not less than 60%, and the loan should be profitable. Workers' families use provident fund loans to buy houses for the first time. If the construction area of Xing Tao is below 90 square meters (inclusive), the down payment ratio of loans shall not be less than 20%; If the building area of the apartment is more than 90 square meters, the down payment ratio of the loan shall not be used for purchasing houses with provident fund loans. If the building area of the apartment is less than 120 square meters, and the loan purpose is limited to the purchase of ordinary self-occupied housing with improved living conditions, the down payment ratio of the second provident fund loan shall be no less than 50%, and the loan interest rate shall be 1. 1 times of the first provident fund loan interest rate in the same period. Stop issuing provident fund loans to employees' families who have applied for provident fund loans to buy houses for more than three times (inclusive). For the property restricted from purchase, the Wuxi version of the "Purchase Restriction Order" tentatively restricts the purchase of 1 set of housing for Wuxi registered households and non-registered households who can provide tax payment certificates or social insurance payment certificates of this city 1 year or above; For households with registered residence, non-local households with 1 set or more houses, and families unable to provide proof of social insurance payment for more than 1 year, sell their houses in the urban area of this city. Non-local registered high-level talents introduced by the temporary talent policy are restricted to purchase 1 house. In violation of the provisions of the purchase, not for real estate registration. Refer to Article 2 for the loan policy of secondary provident fund.
4. What is the down payment for Nanning's first house purchase in 23 years that is not part of the provident fund?
Thirty percent.
In Nanning, buy the first suite and use the local commercial loan. Regardless of the housing area, the minimum down payment ratio for buying a house is 30%, and the minimum down payment ratio for purchasing a suite with provident fund loans is 20%.