1. The house cannot be a small property right house.
Second-hand houses with provident fund loans must not be small property houses, but only commercial houses, affordable housing and price-limited commercial houses. You can consult the local provident fund center first to see if the second-hand house you bought does not meet the loan conditions.
Small property houses refer to houses built on rural collective land, without relevant certificates and land transfer fees, and their property certificates are not issued by the state housing management department. For these reasons, small property houses cannot apply for provident fund loans.
2. The area shall not exceed the limit.
Some regional provident fund centers will limit the size of houses purchased, especially when buying a second suite. For example, in Shanghai, families applying for provident fund loans to buy a second set of improved housing are required to adjust the per capita housing construction area to no more than 37.4 square meters. Local regulations are different, so you can know clearly in advance.
Our credit information is very good.
The Provident Fund Center pays more attention to the credit information meeting, and there should be no record of non-performing loans on the credit information report. If you leave a stain on your credit information because it is overdue in the past, you will naturally fail when applying for a provident fund loan.
4. The balance of the provident fund account is sufficient.
The balance of the provident fund account will directly affect the amount of provident fund loans. The more the balance of the provident fund account, the more provident fund loans you can apply for. The calculation method of provident fund loan amount is different in different regions, and the notice issued by the local provident fund center shall prevail.
5. The income meets the requirements.
When applying for a mortgage, the provident fund center will require the monthly income to be at least twice the monthly payment. If there are other outstanding foreign debts found during the qualification examination, the provident fund center may make a request.
If you are not so confident about your income, you can settle other loans in advance before applying for provident fund loans, or try to increase the down payment ratio and improve the loan pass rate.
6. There is no provident fund loan under the name.
The provident fund center requires that there cannot be multiple provident fund loans under its name, so when buying second-hand houses with provident fund, it is necessary to confirm the mortgage situation under its name, and there cannot be multiple provident fund loans at the same time.
7. The age meets the requirements.
For example, the borrower's age and loan application period of second-hand housing provident fund loans can not exceed 65 years old, but there may be some differences in different regions, subject to the notice of the local provident fund center.
8, the age of the room can not be too big.
When buying a second-hand house, the age of the house cannot be too long. The older the house, the shorter the time limit for applying for provident fund loans, and even some over-aged houses will be directly refused loans by the provident fund center.
9. Continuous payment 12 months.
To apply for provident fund loan, you need to pay the previous provident fund 12 months or more. If you can't meet this requirement temporarily, you can let the provident fund pay for a few more months, which is not difficult to do.
10, the down payment was paid as required.
Buying a second-hand house with a provident fund loan requires a down payment. In some areas, the down payment for the first home provident fund loan can be 20%, which is subject to the notice of the local provident fund center.
Before using the provident fund loan to buy a second-hand house, you can prepare some information to understand and see if you and your house meet the loan conditions.
It is suggested that you can know your current credit situation in "103 data", get rid of the bad habit of applying for loans, and cover up your dishonesty with a new good record of fund use.
Extended data:
What is the impact of the suspension of second-hand housing loans on new houses?
If the bank suspends the second-hand housing loan business, it may be because of the shortage of funds, coupled with the strict control of real estate by the state, curbing the real estate speculation and preventing and controlling the financial risks of real estate, which may naturally affect the handling of new housing loans.
After all, banks have begun to lend cautiously, so even if the new house loan is not suspended like the second-hand house loan, the approval estimate will be stricter and it will be more difficult to get a high quota.
And if you encounter some banks that are in short supply, not only the second-hand housing loans will be suspended, but also the new housing loans will be suspended.
Naturally, it is temporarily impossible to apply for a mortgage in this bank. As for those who have already submitted their applications, they can only wait patiently for the loan (it is estimated that it will take a long time, three to five months is very likely, or even longer).
It is suggested to call the customer service of the bank before handling the mortgage to see if the bank has suspended the second-hand house loan or new house loan, and then go to the bank that normally provides mortgage business.