Which is the loan provident fund social security?

What are the conditions for using provident fund loans?

Provident fund loan conditions:

1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.

2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.

3. Employees with permanent residence in cities and towns or valid residence identification.

4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;

5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

Under no circumstances can you apply for a provident fund loan.

1. There are outstanding provident fund loans;

2. Use provident fund loans for the third time (inclusive) or more;

3. The purchased house is the third commercial house under the name of the family (including minor children);

4, the purchase of spouse, children, my parents or spouse's parents housing;

5, within two years of divorce, the sale of housing between employees and their original spouses;

6. The co-owner of the purchased house is a person other than the spouse and minor children.

Use of provident fund loan:

1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.

2. Commercial loans are used to repay loans, that is, they are jointly issued with borrowers in the normal course of transactions.

6, can provide housing provident fund management center approved by the way of guarantee.

How to borrow social security provident fund loans?

First, how to borrow social security provident fund loans

1. Go to the lending institution to consult the social security loan;

2. According to the requirements of lending institutions, prepare social security loan application materials, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates;

3. Fill in the loan application form, submit application materials and submit a written application for social security loan;

4 lending institutions in accordance with the relevant provisions of strict examination and approval;

5. The lending institution signs a loan contract with the borrower;

6. Lending institutions issue loans;

7. The borrower repays the loan according to the contract.

Second, the social security provident fund loan conditions

1. age: a natural person who is required to be at least 25 years old and have full capacity for civil conduct.

2. Credit: the credit record is good, and there is no overdue record on the personal credit report.

3. Work: The borrower must have a stable job and a fixed source of income, and have the corresponding repayment ability.

4. Social security: Meet the relevant requirements of lending institutions for social security deposit, generally the requirements of deposit base and payment time.

5. Other requirements: other conditions that meet the requirements of lending institutions.

Three, the legal provisions of social security provident fund loans

Regulations on the Management of Housing Provident Fund (revised by the State Council's Decision on Amending Some Administrative Regulations on March 24, 20 19) Article 11 The housing provident fund management center shall perform the following duties:

1. Prepare and implement the plan for the collection and use of housing provident fund;

2 responsible for recording the deposit, withdrawal and use of employee housing provident fund;

3 responsible for the accounting of housing provident fund;

4. Approving the extraction and use of housing provident fund;

5 responsible for the preservation and return of housing provident fund;

6 preparation of housing provident fund collection and use plan implementation report;

7. To undertake other matters decided by the Housing Provident Fund Management Committee.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Bank loans, why should we pay attention to social security and provident fund?

When the bank gives you a loan depends on whether you have repayment conditions. If you pay social security, you can calculate the work according to the payment period, unit and payment ratio. If you have a stable job and a good income, the bank will give you a loan. If you don't meet the requirements of the bank, you can't lend.

Loans do not necessarily require social security, but also depend on the type of loan. Like mortgages and credit loans, there is no need for social security. Basically, as long as you prove that you have the ability to repay, you can apply, which is not very risky for lending institutions. However, some banks may refer to social security when doing so.

Need general mortgage and social security. Different banks in different regions need different conditions. To buy a house in Changsha, you must have two years of social security, otherwise you are not qualified to buy a house, let alone a mortgage. Social security is not the main factor affecting the loan, but it will also have some influence, mainly through social security to judge whether there is repayment ability.

Can provident fund loans and social security loans be handled at the same time?

Yes, when the amount of provident fund loans is insufficient, users can choose portfolio loans, that is, they can apply for provident fund loans and commercial loans at the same time. The advantage of portfolio loan is that it can solve the problem of insufficient loan amount of provident fund, and the loan interest of portfolio loan is lower than that of commercial loan. However, users must meet both commercial loan conditions and provident fund loan conditions before they can apply at the same time. In portfolio loans, the loan term, loan date and repayment date of commercial loans and provident fund loans are the same, but the loan interest rates are different.