1. How to get a provident fund loan to buy a house. Calculate how much it will cost to decorate your home. Nowadays, many people choose housing provident fund loans to buy a house, but first-time home buyers don’t know much about this process.

So, let me share with you how to get a provident fund loan to buy a house. You can understand it and I believe it will be of some help.

1. How to get a provident fund loan to buy a house 1. Preliminary review: The housing provident fund management department will propose the loan amount, applicant qualifications, and loan time to the applicant. After passing the preliminary review,

2. Appraisal: The applicant obtains the "Collateral Review and Appraisal Notice" and then goes to appraise the house purchased. If it is an affordable house, no appraisal is required.

3. Review: The applicant brings the "Evaluation Report" and the relevant financial requirements for the preliminary review, and will be given the "Housing Fund Management".

4. Go through the guarantee procedures: The applicant brings the guarantee form of "Housing Fund Management Guarantee Entrusted Loan Survey Pass" to go through the guarantee procedures.

If it is in the form of mortgage guarantee, the guarantor needs to write a written guarantee; if it is in the form of mortgage and insurance, it needs to be insured. 5. Sign a loan contract.

6. The housing provident fund management department signs an entrusted loan agreement with the trustee bank, and finally the loan is issued.

2. What should you pay attention to when buying a house with a provident fund loan? 1. Provident fund cannot be used directly as a down payment for buying a house.

If you want to use a provident fund loan to buy a house, you can directly go to the local provident fund management center on rainy days to withdraw the balance of the provident fund before you can use it. 2. The total amount of provident fund withdrawal is not allowed. If there is 400,000 in the provident fund account, and the total price of the house you buy is not 400,000, it cannot be used.

All 3. After the provident fund loan is settled, the provident fund can be used to buy a house.

If your loan has not been repaid, you cannot apply for a provident fund loan to buy a house; if you have paid off the previous loan, you can apply for a provident fund loan to buy a house again, without restrictions Article summary: The above is the relevant content shared by the editor on how to get a provident fund loan to buy a house.

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Provident fund loans must be applied for according to local policies. Here, everyone is applying for a provident fund loan.

Enter the area and get a decoration quote for free. 2. How to buy a house with a provident fund loan? Employees of the unit who have paid the housing provident fund normally in the center for more than one year are required to purchase, build, renovate, and overhaul their own homes (including commercial housing, affordable housing, and second-hand housing).

, renovating dilapidated houses, relocating housing and raising funds to build houses), or those who meet the following conditions and meet the following conditions can apply for a housing provident fund loan: 1. Applicant

They and their spouses have not applied for a housing provident fund loan at the center, or have applied for it but have paid off all the principal and interest of the loan on time; 2. To purchase newly built commercial housing, affordable housing, or renovated dilapidated housing, they must have a "Commercial Housing Sales Contract",

A tax invoice for the house payment that is not less than 20% of the total purchase price, and a "Certificate of Online Registration and Filing of the Commercial House Sales Contract"; 3. When purchasing a second-hand house, you must have a "Real Estate Ownership Certificate" held by the seller, and a certificate issued by the owner of the property.

Written documents agreeing to sell, "House Sales Contract", the buyer's down payment voucher, etc.; 4. Self-built houses have land use certificates, planning and construction permits and related fee invoices; overhauled houses have a dangerous building appraisal report issued by the housing safety appraisal department;

5. The fund-raising house construction shall have the approval document of the administrative department of construction, land and housing reform, the list of persons raising funds to build the house and the payment receipt; 6. Commercial personal housing loans that comply with the provisions of the "Interim Measures for Converting Commercial Personal Housing Loans to Housing Provident Fund Loans"

; 7. The applicant has not reached the legal retirement age and has full capacity for civil conduct; 8. The applicant and his spouse have stable economic income and have the ability to continue to contribute to the housing provident fund and repay the principal and interest of the loan; 9. There is a center,

Assets recognized by the entrusting bank may be used as mortgage or pledge, or natural persons or legal persons recognized by the center may be used as guarantees; 10. Other conditions stipulated by the center and the entrusting bank.

The second to fifth information is valid for one year.

3. How much provident fund can I borrow to buy a house?

Provident fund loans to buy a house do not have clear requirements for the provident fund account balance. The main requirement is for the time for continuous payment of provident fund. Generally, customers are required to pay the housing provident fund in full and on time for more than six months, and the provident fund account must be at the time of application.

If you are in a normal deposit status and meet this requirement, you can apply for a provident fund loan (you must have never applied for a provident fund loan in your name or the loan has been paid off).

Of course, although there is no requirement for the provident fund balance, the greater the provident fund balance, the greater the chance of getting a higher loan amount.

There is a calculation formula: provident fund loan amount = [(borrower’s total monthly salary, borrower’s unit’s monthly housing provident fund deposit amount) × loan repayment ability coefficient (40%) – borrower’s total monthly repayment of existing loans] × loan

Term (months).