Mr. Li: I am divorced. I have a house in my name, and I have paid off the commercial loan of the house many years ago (the house is not in my name). Now I want to buy a bigger house. Do I meet the requirements for applying for provident fund loans?
A: The first and second self-occupied houses can apply for housing provident fund loans. When a borrower applies for a housing provident fund loan, whether it is a second suite or not depends on the credit report of the People's Bank of China, the housing file inquiry form issued by the real estate management department where the housing provident fund is deposited and the historical data of the housing provident fund integrated business system. I suggest you check the above information first.
Ms. Su: I want to ask, I have a housing loan with a balance of 300,000 yuan, and the provident fund has been paid for more than a year. At that time, the loan was handled by China Everbright Bank. How should I go through the formalities of turning into a provident fund loan now?
A: Commercial-to-public loans can only be used for pure provident fund loans, and the loan amount cannot exceed the maximum amount that borrowers can enjoy. The balance of commercial loans cannot exceed the amount that borrowers can enjoy provident fund loans, and the original commercial personal housing loans must have completed mortgage registration procedures. After the mortgage registration of the real estate license, bring relevant materials to the loan area of the housing provident fund management department where the house is purchased.
Ms. Zhang: I work in Kunming, and my unit nature is state-owned enterprise geology. I paid the housing accumulation fund, and now I buy a house in Lvliang, Qujing (commercial mortgage). Can I withdraw the balance of housing provident fund to repay the mortgage?
A: Employees or their spouses who purchase, build, renovate or overhaul houses outside the administrative area of Kunming, without the permanent residence certificate issued by the work unit or the public security administrative department, may not apply for withdrawal of housing provident fund. Employees in railways, petroleum and other industries shall obtain certificates from their industry management departments.
Miss Luo: Sorry, I left the company three years ago. Can I withdraw the provident fund I bought? What are the requirements?
A: Resignation, dismissal or other reasons to terminate the labor relationship with the unit: employees whose registered permanent residence is not in this city voluntarily stop paying the housing provident fund can apply for cancellation of the account to withdraw the balance in the employee's personal provident fund account and cancel the interest. Workers with permanent residence in the administrative area of Kunming, men over 50 years of age and women over 45 years of age, who voluntarily stop paying the housing provident fund, can apply for cancellation of the account; For employees whose registered permanent residence is within the administrative area of Kunming, but their age is not up to the above provisions, their housing provident fund shall be managed according to the provisions of the Detailed Rules for the Implementation of the Management of Housing Provident Fund Deposit in Kunming. Workers who have not found a job after two years can apply for cancellation of their accounts. Materials to be provided: my valid identity certificate, the company's withdrawal certificate, the certificate of dissolution of labor relations, and the savings card (No.) or passbook (No.) opened by the employee in the bank where the account is opened.
Mr. Wu: I have a house in Lao Luosi Bay, using my name. It was demolished by the government in 2009 and there was no time to move back. Now I buy a commercial house in the name of my daughter (my daughter is unmarried). Can I withdraw my wife's housing provident fund and mine?
A: After buying a house, employees, their spouses and buyers who own the property can withdraw the housing provident fund not exceeding the down payment within one year after buying the house. 2. Information to be provided when purchasing a commercial house (first-hand house) and withdrawing the housing accumulation fund: my valid identity certificate, the certificate of unit withdrawal, the purchase contract registered by the real estate management department, the payment invoice, and the withdrawal of the savings card (No.) or passbook (No.) opened by the employee himself in the bank where the account is opened. To withdraw the spouse's housing provident fund, it is also necessary to provide a marriage certificate, a spouse's identity certificate and an extraction certificate issued by the spouse's unit.
Mr. Wang: Last June 165438+ 10, the first mortgage was repaid, and now I have got the property right certificate. Can I apply for a commercial loan to a provident fund loan now? What information do you need?
A: Commercial-to-public loans can only be used for pure provident fund loans, and the loan amount cannot exceed the maximum amount that borrowers can enjoy. The balance of commercial loans cannot exceed the amount that borrowers can enjoy provident fund loans, and the original commercial personal housing loans must have completed mortgage registration procedures. After the mortgage registration of the real estate license, bring the following materials to the loan area of the housing provident fund management department where the house is purchased. 1, ID card, household registration book, marriage certificate, proof of deposit account of housing provident fund and proof of income of the applicant and spouse; 2 * * * ID card, household registration book and marriage certificate of the owner and spouse; 3. Guarantor's ID card, household registration book and income certificate (provided according to the requirements of provident fund management center); 4. Collateral (pledge) vouchers and evaluation report; 5. Original loan contract and notarial certificate; 6. Certificate issued by the original commercial housing loan bank (attached with the loan statement or repayment list of the current month signed by the loan bank); 7. Purchase contract; 8. Original repayment passbook or bank card.
Miss Li: I borrowed money to buy a house in Kunming. Now it is the repayment period, but the provident fund was bought in Anning. Can I withdraw the peaceful provident fund to repay the mortgage in Kunming?
A: After buying a house, employees, their spouses and buyers who own the property can withdraw the housing provident fund not exceeding the down payment within one year after buying the house. During the loan repayment period, the housing provident fund can be withdrawn once a year to repay the loan principal and interest, and the sum of the amounts withdrawn shall not exceed the amount of repayment of the loan principal and interest in that year, and the accumulated withdrawal amount shall not exceed the total house price.
Workers and provident fund center signed the Agreement on Entrusted Deduction and Repayment of Housing Provident Fund, and handled the withdrawal according to the agreement.
Mr. Chen: Can I withdraw the provident fund when renting a house? If yes, what procedures need to be provided?
Answer: 1. If an employee's family rents a house, the average monthly income of the family is lower than the average monthly salary of urban employees in this city last year, and the rent exceeds the family income 10%, the housing provident fund can be withdrawn once a year to pay the rent with a rented construction area of not more than 60 square meters, and the amount withdrawn does not exceed the annual deposit of the paid employees. 2. Information to be provided: my valid identity certificate, certificate of unit extraction, household registration book, income certificate of family members (housing provident fund deposit is based on the salary base), marriage certificate (or unmarried certificate), lease contract filed by the real estate management department, lessor's lease tax payment certificate (lease invoice is provided for renting affordable housing), residence permit or residence certificate issued by the public security management department of the place where the house is under the jurisdiction, and withdrawal of the savings card opened by the employee himself in the deposit bank (.
3. Calculation formula: (1) If the leased building area does not exceed 60 square meters, the monthly rent × the actual rental month; (2) If the rented building area is more than 60 square meters, (monthly rent/rented area) ×60× actual rental month.
(The above answers were published on 2016-11-15. At present, please refer to the actual situation for the relevant purchase policy. )
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