1. Can loft use provident fund loans?

Generally, you can. Please ask the sales office for details.

provident fund loan conditions:

1. On-the-job employees who have full civil capacity and pay the housing provident fund in full;

2. The housing accumulation fund has been paid continuously and normally for more than twelve months;

3. Purchase and build self-occupied houses within the administrative area, and have paid off the purchase price above the prescribed down payment ratio;

4. Personal credit is good, with stable economic income and the ability to repay loan principal and interest;

5. Agree to use the purchased house as collateral for the loan, or provide the guarantee approved by the management center.

provident fund loan processing flow:

1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, fill in the housing provident fund loan application form and truthfully provide the following information:

(1) Proof of the applicant's and spouse's housing provident fund deposit;

(2) the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence documents) and the marital status certificate;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid documents such as contracts and agreements for housing purchase;

(5) Collateral used for guarantee, list of pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) The Provident Fund Center requires a third-party guarantor to provide the guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(7) other information required by the provident fund center.

2. The bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.

3. the provident fund center is responsible for approving loans and informing banks of the approval results in time.

4. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. In case of mortgage, the borrower shall go through the mortgage registration formalities with the property right management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.

second, can loft apartments be loaned by provident fund?

If the property right is residential, you can borrow by provident fund. You can ask the developer specifically!

3. You can get the area from the provident fund when you buy a loft apartment, and get the decoration quotation for free. The housing provident fund is a long-term housing deposit paid by state-owned enterprises, state organs, urban private enterprises, foreign-invested enterprises and institutions for employees. As we all know, provident fund can be used to buy houses, but there are certain conditions. So can I get the provident fund when I buy a loft apartment? What are the advantages and disadvantages of loft apartment? Next, Xiaobian will introduce you to the relevant content, let's take a look. \ r \ nYou can get the provident fund when you buy a loft apartment. No \ r \ nYou can't get the provident fund when you buy a loft apartment, because the loft apartment is a commercial building. Those who purchase commercial houses, office buildings, villas, and other non-residential houses in accordance with relevant regulations, and those whose land is non-state-owned or whose property rights are partially purchased, cannot apply for provident fund loans. \ r \ nWhat are the advantages of Loft apartment \r\n1? Strong privacy. Loft apartment has strong privacy, layered apartment, reasonable distribution of regional functions, good ventilation and lighting performance, and broad vision. \r\n2. The use area is large, and the occupancy rate is high. Although the area of loft apartment is relatively small, it can actually use two floors when buying one floor, and the partition is obvious, which is very cost-effective. Especially for some young people who want to buy a house, it is affordable and practical. \ r \ nWhat are the shortcomings of Loft apartment? \r\n1. Decoration is troublesome. Loft apartment is a single-storey institution, so it will be more troublesome to decorate, and it needs to be separated by itself, so the decoration cost will be higher. If the floor is not high, the second floor will make people feel depressed and the sound insulation effect is poor. \r\n2. The land use period is short. Loft apartment is commercial in nature, so the land service life is 4 to 5 years, and the water and electricity charges are charged according to commercial standards. Generally, natural gas cannot be connected, and the living cost will be higher. \r\n3. The floor heating effect is relatively poor. If floor heating is installed in loft apartment, the upper floor will be uncomfortable to get hot, the temperature upstairs and downstairs will be relatively high, and the air will be very dry because of the high floor. \ r \ nSummary of the article: The above is what Xiaobian introduced to you, such as buying a loft apartment and getting a provident fund. I hope I can help some friends in need. Calculate how much it will cost to decorate your home

Fourth, did loft buy the right of residence or property rights?

I bought the property right, LOFT apartment: the property right of loft apartment is commercial. Mainly reflected in:

1. Water and electricity are charged according to commercial standards, and the daily consumption of the owners is higher after they move in, and the commercial water and electricity charges in various places are about 4%-1% higher than the civil water and electricity charges. At the same time, gas is generally not available, and residents can only rely on induction cookers and other equipment for cooking, so the electricity consumption is relatively large, and the actual living cost may be higher.

2. LOFT apartment belongs to houses with unlimited purchases and loans, and the property right is generally 4 or 5 years. At the same time, the down payment must be 5%, and the loan period is generally not more than 1 years, and housing provident fund loans cannot be used.

3. Owners who purchase LOFT products cannot go through household registration procedures.