Provident fund is a fund stipulated by some employers to help employees pay part of the expenses of five insurances and one gold, that is, housing provident fund, which can be used to buy and sell houses. The earliest use of housing provident fund was to buy and sell houses, but now this aspect has been revised, and you can rent a house with this provident fund. So what is the content of the sale of Tai 'an provident fund housing? First, Tai 'an provident fund housing can use provident fund loans to buy and sell second-hand houses. The application conditions of provident fund loan are: permanent residence in the town where the loan is located, and valid residence certificate can be provided; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan; Sign a house purchase contract or contract with the sales office; Meet other conditions stipulated by the trustor and the trustee. Second, how to buy and sell 1 when the house is not down and the real estate license is not down. The homeowner needs to pay deed tax, stamp duty and public maintenance fund to the state, depending on whether the original homeowner paid the above three money to the state. If not, you can also ask the developer to change the purchase contract to your name; Then you pay these three sums of money, so that your name will be directly on the property ownership certificate. Just bought a new house, the owner needs to pay deed tax, stamp duty and public maintenance fund to the state. After paying these three sums of money, the local real estate authorities will record the real estate and then issue the real estate license. Note: 1. There are risks in house transactions without real estate licenses, and both buyers and sellers should be cautious; If it is necessary to sell (buy) a house without a real estate license under special circumstances, both parties should have a detailed understanding of the property, make clear when they can get the real estate license, agree on a suitable standard of liquidated damages, and be psychologically prepared; For the buyer, there are two ways to reduce the risk. One is to pay as little as possible before obtaining the real estate license; Second, first obtain the right to use and control the house, so that the law will tilt towards the buyers. The house price will fluctuate, and the buyer and the seller should agree on the standard of liquidated damages to avoid one party's default when the house price fluctuates greatly; Think carefully before buying, there is no legal provision to protect legitimate rights and interests. It can be divided into several different situations: 1, just paid the down payment and haven't applied for a mortgage yet. Solution: In this case, the developer has not filed with the Housing Authority, which is the best solution. Buyers and sellers can directly go to the developer to handle the contract transfer, that is, discuss with the developer, re-sign the purchase contract with the buyer, and recover the old purchase contract. Then the buyer pays the down payment to the seller. The latter thing is like buying a new house. The Housing Authority will directly write the buyer's name for the record, and the bank mortgage will be handled by the buyer himself. The real estate license will be directly the name of the buyer. 2. I'm paying the mortgage and haven't paid the house yet. Method 1: Rename process directly: 1. The seller pays off the bank loan; 2. The seller takes out the mortgage contract with the settlement certificate issued by the bank to the Housing Authority; 3. The developer holds the contract and cancellation registration form to the premises bureau to handle the cancellation procedures of the house; 4. After cancellation, the buyer and the developer sign a new commercial housing sales contract, and then go to the Housing Authority for re-filing. Note: 1, the house must pay off the bank loan; 2. The name change must be approved by the developer; 3, the buyer can no longer mortgage, must buy in full. The advantage of this method is that the procedure is relatively simple and there is no tax in the whole process. The disadvantage is that it can't be mortgaged, and there are a lot of blank periods in the middle, which is risky. In terms of national laws and policies, real estate without title certificate is not allowed to be traded. Therefore, the law does not protect this kind of trading behavior, and any problem can only be solved by itself. Method 2: Both parties agree to wait for the real estate license to come down before the transfer. This way belongs to the sale of second-hand houses, so there are more taxes to pay. The advantage of the second method is that it can be transferred in time with low risk; Disadvantages are high taxes and long time cost. Note: 1. There are risks in the house transaction without real estate license, so both buyers and sellers should be cautious! 2. Under special circumstances, it is necessary to sell (buy) the house without the real estate license. Both parties should have a detailed understanding of the real estate, make clear when they can get the real estate license, agree on the appropriate standard of liquidated damages, and be psychologically prepared. 3. For the buyer, the risk can be reduced from two aspects. First, pay as little as possible before obtaining the real estate license; Second, first obtain the right to use and control the house, so that the law will tilt towards the buyers. 4. The house price will fluctuate, and the buyer and the seller should agree on the standard of liquidated damages to avoid one party's breach of contract when the house price fluctuates greatly. What is the content of Taian provident fund housing sales regulations? Regarding the content that the law stipulates that you can use the provident fund to buy a house, you must have certain conditions to buy a house with the provident fund. If you buy a house with provident fund, you must have the household registration certificate or residence certificate of the town where the house is located, and you have paid the provident fund for more than six months continuously, and the accumulated provident fund has been more than twelve months. Only in this way can the parties use the provident fund to buy a house according to law.