Legal analysis: second-hand houses can be loaned by provident fund, but the age of the lender and the period of applying for loans should not exceed 65 years old; You can't be too old. In different places, the requirements of provident fund centers will be different. You can call in advance to find out if you meet the requirements. Those who meet the requirements can apply for loans to the local housing provident fund management center with their identity certificate, purchase contract, real estate license and other materials. The premise that second-hand houses can get provident fund loans is that to meet the requirements of the provident fund center, down payment is definitely necessary, and its proportion is generally above 20%. In addition, provident fund loans to buy second-hand housing also have certain restrictions. For example, the housing area cannot exceed 144 square meters, and the age of second-hand houses exceeds 15, which is also not allowed. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity. Its main nature is: guarantee, the establishment of employee housing provident fund system, which provides guarantee for employees to solve housing problems faster and better; Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing, and housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers; In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Second-hand housing provident fund loan process
The general process mainly includes: buyer qualification examination/seller house verification, online signing, evaluation, preliminary examination/face-to-face signing, bank loan approval, loan contract signing, tax payment/transfer, and bank loan.
1. The borrower consults at the housing provident fund center and receives the application form:?
By the buyers and sellers of houses and their spouses (unmarried or divorced, certificates should be issued), two original documents, namely "House Ownership Certificate" and "State-owned Land Use Certificate" under the name of the seller, as well as the original household registration book, ID card and marriage certificate, go to the city housing provident fund center for pre-registration and receive an application form for provident fund loans.
Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate);
Three, the housing provident fund center for approval:
Fourth, the transaction transfer.
Verb (abbreviation for verb) sign a contract
Can a second-hand house be loaned by provident fund?
Second-hand housing can be loaned by provident fund, and the loan method is the same as that of new housing, but the second-hand housing is no longer than 20 years. In case of down payment, the down payment for the first-hand building is not less than 20% of the total house price, and the down payment for the second-hand building is 30%.
Second-hand housing provident fund loan process is:
1. The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and receives the materials.
2. Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.
3. After the preliminary examination is passed, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.
4. If the bank investigation is passed, the entrusted bank will issue an investigation opinion and submit it to the housing fund management center (sub-center) for approval.
5, after approval, the housing fund management (sub) center issued a notice of entrusted loans. The bank informs the borrower to go through the loan formalities.
6. After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.
Developer account.
7. The borrower shall repay the loan on time in the prescribed way.
8. When the borrower pays off the loan principal and interest, the loan contract and related guarantees are terminated, and relevant documents are returned to the borrower (mortgagor or pledger).
Information required for Wenzhou second-hand housing provident fund loan
Wenzhou provident fund loan policy has also been adjusted during this period, mainly in the down payment ratio, loan amount, application conditions, second-hand housing evaluation and so on. Exempted from the second-hand housing evaluation and other expenses, saving some costs for property buyers. Then, what information does the adjusted second-hand housing provident fund loan need? Let's have a look.
Wenzhou second-hand housing provident fund loans required information is as follows:
1. The borrower shall provide ID card, marriage certificate and household registration book;
2. The borrower shall provide proof of deposit or proof of housing accumulation fund;
3. The borrower shall provide the house ownership certificate, house property certificate and land certificate;
4. The borrower shall provide the debit card of the entrusted bank;
5. Ask the borrower to provide proof of the number of family housing units (take the ID card to the provident fund management department to receive the contact form, and then issue it to the relevant housing management department);
6. If the borrower has minor children, it is also necessary to provide the birth certificate of the children.
Remind buyers that if there is already a house under the family name, only the per capita housing construction area is less than square meters and the housing provident fund loan has been settled, or the housing provident fund loan has never been used, the second-hand house can apply for the housing provident fund loan, and the down payment ratio is: the newly purchased housing construction area is less than 144 square meters, the newly purchased housing construction area is more than 144 square meters, or the first housing business is not settled, and the down payment ratio is 30%.
Can second-hand houses be loaned by provident fund?
Legal analysis: Second-hand houses can use provident fund loans. Eligible second-hand housing can be provident fund loans. The conditions that the borrower needs to meet if he wants to give a second-hand housing provident fund loan include:
1. The borrower has stable income, good credit deficit and repayment ability;
2. The borrower's work unit purchases provident fund for him and reaches the purchase period specified in the local provident fund loan conditions;
3. The amount in the current provident fund account is sufficient;
4. The borrower Cage has the ability to pay the down payment for the second suite;
5. Other conditions stipulated by the local provident fund management center.
Legal Basis: the Supreme People's Court's Interpretation of Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Cases Article 25 If the parties conclude a sales contract for the purpose of obtaining the fictitious facts of housing sales with bank loans, the parties have no real intention to buy or sell the house, and the housing sales contract is invalid.
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