Of course.

The provident fund can be renovated by loan, and the following conditions need to be met:

1. Generally, the area of the house to be renovated is 70_, and the age of the house is within 15.

2. The general provident fund renovation loan limit is 1 1,000 yuan/_, which may be relaxed to about 2,000 yuan/_ again in the future.

3. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. In the short term, owners who need to buy houses should not easily make provident fund decoration loans.

4. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After getting the loan, don't take all the money in the account, and leave a repayment limit of at least two months to avoid repayment default.

Matters needing attention in using provident fund loans

Repayment method of provident fund: Different cities have different repayment methods. Generally speaking, there are three ways: average capital (large repayment amount in the first month, and then decreasing once a month), equal principal and interest (same repayment amount every month), and free repayment. You can also apply for provident fund repayment, that is, entrust the bank to withdraw the balance in the provident fund account to repay the loan.

Prepayment: If prepayment is to be considered, according to the relevant provisions of provident fund loans, it must be made after one year of repayment, and the amount of prepayment must exceed six months of repayment.

For the above contents, please refer to People's Daily Online-Can I apply for a housing provident fund loan for housing renovation?

How to borrow provident fund loans for decoration?

Methods of applying for renovation provident fund loans:

1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.

2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.

3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.

How to apply for a provident fund renovation loan? The application process is as follows!

For office workers, a very important welfare is five insurances and one gold. Insurance can provide protection for yourself, and the provident fund can borrow money to buy a house. Now the scope of application of provident fund is wider. If there is a decoration demand, it can be extracted and used if it meets the conditions. So how can the provident fund apply for a decoration loan? Let's briefly introduce it today.

First, the provident fund renovation loan conditions

The policies in each region are slightly different. I suggest you check the policies of the local provident fund housing management center first. Generally speaking, you need to meet the following conditions:

1, with a valid ID card or permanent residence, the professional income must be stable and have the ability to repay the loan;

2. The age of the renovation loan is less than 15, and the housing area is more than 70 square meters;

3. There is no outstanding provident fund loan under the personal account. If the provident fund renovation loan is not settled, you cannot apply for a new provident fund loan;

4. After users apply for decoration, they can see whether to sign a contract with the decoration company according to their own needs.

Second, the provident fund renovation loan process

1. Sign a house purchase contract with the house selling unit and prepare materials to apply to the bank;

2, bank audit, send the data to the provident fund management center for approval;

3. Sign the renovation contract and go through the mortgage insurance formalities;

4. If the bank lends money, the borrower can repay it in time.

Note: there must be a continuous provident fund, and the higher the amount, the better. If there are outstanding loans in other banks or platforms, such as mortgages and car loans, it may affect the loan amount or approval efficiency. Individual housing meets the architectural design standards stipulated by the municipal provident fund management center in order to obtain the approval quota.

Can Shenyang Provident Fund apply for decoration loan?

Hello, the provident fund can be used to apply for a decoration loan. Personal housing provident fund loan is a special housing consumption loan funded by housing provident fund and distributed to employees who have paid housing provident fund for the purchase, construction, renovation and overhaul of their own houses. Self-owned housing purchased by employees includes commodity housing, affordable housing, private housing, fund-raising housing, rebuild resettlement housing and public housing.

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of 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 procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department 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 joint center for safekeeping.

When applying for a loan, the borrower shall prepare the following materials:

1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );

2. Proof of stable economic income (proof of unit wage income, etc.). );

3, housing provident fund deposit certificate;

4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);

5. I and my spouse * * * fill in the loan application approval form;

6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);

7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).

Conditions for applying for provident fund renovation loan

The lender of the provident fund renovation loan must have a permanent residence in the local town or a valid proof of residence identity;

2. To apply for provident fund, you must continuously deposit housing provident fund 12 months or more. If both husband and wife have provident fund, only one party can apply for provident fund decoration loan;

3. The provident fund renovation loan applicant must hold a contract (agreement) and related materials for the construction, purchase and overhaul of owner-occupied housing in accordance with the law;

You should have a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price. The purchase of second-hand housing or self-built housing, housing overhaul, self-raised funds shall not be less than 30% of the total price. Of course, every city may be a little different;

5. The applicant must have a stable income and the ability to repay the principal and interest of the loan. Generally, the unit needs to issue a certificate of income;

6. The applicant agrees to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or legal persons, organizations or third parties recognized by the loan bank can provide guarantee.

Matters needing attention in decoration of provident fund loan

1. If you really need to decorate the stool at home, you can go to the local Ziyi and go through the relevant formalities with some home security guards.

2. If someone can't sign the property right certificate on the spot, it is necessary to entrust notarization, which will entrust the mortgage and loan handling right of the house to others.

3. Require the balance in the provident fund account of the main lender to be sufficient, usually more than 1/40 of the loan amount, and have been deposited continuously for 6 months. The processing cost of dates and plums with insufficient balance may increase.

The policies of Shenyang Provident Fund Decoration Loan and Shenyang Provident Fund Decoration Loan have come to an end. I wonder if you found the information you need from it?