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.