If you buy a second-hand house, you can withdraw the provident fund within six to eighteen months.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
New Policy of Wuxi Provident Fund Loan 2022
1 For the paid employee families who apply for provident fund loans for the first time to purchase the first self-occupied housing, if the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan.
2 For the registered families in this city who have given birth to two or three children, if they apply for provident fund loans for the first time to buy the first self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan.
The loan amount of Wuxi provident fund has been greatly adjusted this time. Compared with the previous provident fund loan amount, the personal loan amount increased from 300,000 to 500,000, and the family loan amount increased from 600,000 to 800,000. And made relevant provisions on the second-child family purchase loan.
It is worth mentioning that the adjustment of Wuxi provident fund not only adjusts the quota, but also makes corresponding provisions on the withdrawal of provident fund. One is to raise the amount of housing provident fund to pay rent to 15000 yuan per person per year for employees and their spouses who do not own their own houses and rent commercial houses within the jurisdiction of this municipality; The second is to cancel the restriction that the housing provident fund has been withdrawn from the purchase, construction and overhaul of self-occupied housing, and the loan repayment record under the name cannot be used for renting.
Can second-hand houses in Wuxi use provident fund loans? Who is familiar with it?
Second-hand housing loans, in general, there are several restrictions:
Property right certificate: the commercial house that has obtained the property right certificate, or the commercial house that can immediately obtain the property right certificate and live;
Age of the house: no more than 20 years for ordinary houses and no more than 15 years for other properties;
Loan ratio: 80% for ordinary housing and 60% for other properties;
Loan term: the sum of the service life of ordinary houses and the loan term shall not exceed 30 years, and the sum of the service life of other houses and the loan term shall not exceed 20 years (and the loan term shall not exceed 10 year); The sum of the loan term and the borrower's actual age shall not exceed 65 years old.
The choice of interest rate varies from person to person: people with stable income and high monthly income can consider choosing a fixed interest rate because it will not be affected by interest rate hikes in the future. However, if you are a class with stable job but low income, such as teachers, university professors, civil servants, etc. It is suggested to choose floating interest rates, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.
Proof of income and repayment ability: banks will require borrowers to provide proof of income when issuing loans. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time, and the bank can also approve it after meeting the conditions. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.
Special reminder, some second-hand houses cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned. When choosing a house, you must pay attention to whether the house has a property right certificate.
Second-hand housing loans use provident fund, the specific process is as follows:
1. The borrower consults in the housing provident fund center and gets the application form: the buyer and seller and their spouses (unmarried or divorced) pre-register in the city housing provident fund center, and get the provident fund loan application form in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.
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);
Can second-hand houses be loaned by provident fund?
You can use provident fund loans to buy second-hand houses. However, provident fund loans to buy second-hand housing have certain restrictions, such as:
1. With provident fund loans, the housing area cannot be greater than144 _;
2. When purchasing a second-hand house and using the provident fund loan, the age of the borrower and the time limit for applying for a bank loan cannot exceed the statutory retirement age, and the professional and technical personnel can extend it for 5 years;
3. If the age of the second-hand house exceeds 15, the age plus loan period cannot exceed 30 years;
4. Second-hand houses purchased must belong to commercial housing, affordable housing and price-limited commercial housing to use provident fund loans, while second-hand apartments and other small property houses cannot use provident fund loans. copy
Regulations on the administration of housing provident fund
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
What is the loan amount of Wuxi second-hand housing provident fund?
According to the provident fund loan policy, the lower transaction price and evaluation price is the total price of second-hand houses. If the appraised price is 600,000 yuan, the down payment is 600,000.2 = 654.38+0.2 million yuan according to the minimum down payment ratio of 20%. If both husband and wife are eligible for provident fund loans, the maximum loan amount of your provident fund is 60-12 = 480,000. The remaining 80-12-48 = 200,000 need to pay or apply for commercial housing loans with its own funds.
This is the end of the introduction of Wuxi second-hand housing provident fund loans and Wuxi second-hand housing provident fund loans. I wonder if you found the information you need from it?