Does social security need provident fund loans?

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.

Can I get a loan if the provident fund and social security are inconsistent? What are the requirements for provident fund loans?

Provident fund and social security are not paid by the same company, depending on the specific situation. It is to prevent property buyers from obtaining housing provident fund loans by deception. If it is verified that the borrower's provident fund and social security are not paid by the same company, the borrower must explain why the social security and housing provident fund are not paid by the same company. After verification, the provident fund management center will make a judgment according to the specific situation.

Provident fund loan conditions:

1 Lender 18 years old or above, with full capacity for civil conduct;

2. The lender has a valid account or residence permit at the place where it is located;

Before applying for provident fund loans, the housing provident fund has been paid normally for six consecutive months;

4. The lender has procedures and contracts for house purchase, lease and decoration;

5 the down payment of the house should exceed 30% or 20% of the total purchase price;

Lenders have good personal credit information, stable income and the ability to repay on time.

What materials are needed to buy a second-hand house to get the provident fund, and how to extract it?

1. If a user buys a house again after applying for a housing provident fund loan, he can extract the housing provident fund according to the materials extracted from the house purchase.

2. If the user fails to repay the housing provident fund loan, he can extract the extractable amount according to the repayment situation of the previous year.

3. Users who buy a new house can withdraw it with the purchase contract and related procedures after the down payment is paid.

4. If the house payment is paid off, it can be extracted with the purchase contract and the full invoice.

5. If you have received the real estate license, you can return it with the real estate license and the full invoice.

Does the payment of provident fund by personnel and social security affect loans?

1. The provident fund can be used as a loan. There is no difference between paying the provident fund and paying the provident fund through the employer or as a flexible employee. It can be used as a provident fund loan, and the specific requirements and approval procedures of the loan are the same.

2. Therefore, if you want to buy a house through a provident fund loan, you must ensure the opening and continuous deposit of the provident fund account. For ordinary employees, the employer will pay the provident fund for them, but it is best for single employees to pay the provident fund as flexible employees, or find a formal company to pay the provident fund, so as to ensure that they meet the conditions of provident fund loans, and then they can successfully apply for provident fund loans when buying a house.