Can commercial loans be converted to provident fund loans?These provident fund questions are answered

Quanzhou.com August 31st (Reporter Zhang Xiaoling Shi Weiqin) Due to the rain a few months ago, the outer wall of the house was damaged, can they withdraw the provident fund to decorate? After the company is handled, how long can I withdraw the provident fund in the future? For the first house for commercial loans, if you want to use the provident fund loan to buy a second suit, is the loan quota affected? ... Recently, the citizens call 96339 on the problem of provident fund use they encountered. Based on this, the reporter contacted the Quanzhou Housing Provident Fund Management Center to answer the citizens in detail.

If you want to reinstall the self -built house, can you withdraw the provident fund?

Mr. Wang asked: I am from Meishan Town, Nan'an City. There is a self -built house under my own name. Because of the rain in the past few months, the exterior wall was damaged. Now I want to renovate again. Can the provident fund be withdrawn for self -built house decoration?

Quanzhou Housing Provident Fund Management Center Answer: The provident fund has not been able to use it for decoration withdrawal.

How long can I withdraw the provident fund after the departure procedures this month can be withdrawn

Mr. Chen asked: I am from Jiangsu and currently work in a company in Qingyang Street, Jinjiang City. It has been more than five years to pay the provident fund. I want to resign this month.

Quanzhou Housing Provident Fund Management Center Answer: After departure, the original unit must handle the staff to reduce the staff and convert the provident fund account to a sealed state. The provident fund is sealed for half a year, and the provident fund loan that has not been paid in the new unit has not continued to pay the provident fund in the new unit.

The first house is whether commercial loans can be converted to provident fund loans

Mr. Zhang asked: I bought a one -handed house in Dongyuan Town, Dongyuan Town, Taiwan's business investment area three years ago. It belongs to the first house. At that time, it was a commercial loan. At present, it has been more than a year after paying the provident fund at the company. Commercial loans to provident fund loans?

Quanzhou Housing Provident Fund Management Center Answer: At present, Quanzhou has not yet converted commercial loans to provident fund loans.

Can the first house for commercial loans can be used?

Ms. Wu asked: We have already purchased a house in Fengze District, which is a commercial loan. At present, the loan has not been paid off. Now I want to buy a house in Luocheng Town, Hui'an County. Can this house apply for a provident fund loan?

Quanzhou Housing Provident Fund Management Center Answer: This situation needs to review the income, liabilities, etc. of the buyers first, and after review, it can be determined whether the provident fund loan can be applied for. Buyers need to bring their identity cards, marriage certificates and credit reports of both husband and wife, and submit the information to the housing provident fund center for housing to be reviewed for review.

How much can I loan in the first house loan?

Ms. Chen asked: My husband and I have purchased a house and have paid off the provident fund loan and commercial loan. We are going to buy a second house and plan to use the provident fund loan. I wonder how much can I apply for?

Quanzhou Housing Provident Fund Management Center Answer: The amount of calculating the loan amount requires multiple procedures, including the details of the provident fund account details of the nearly 12 months, the credit report report of both husband and wife, etc., which allows Ms. Chen to bring the identity card of both husband and wife to the provident fund management center to the provident fund management center Calculate the quota.

Is there a term for implementation of the policy implementation of the second suite down payment?

Mr. Huang asked: At present, our family only purchases one house and intends to buy another second set. Now the employee family buys the second house, and the down payment ratio is adjusted to not less than 30%. I want to know if this policy has a time limit Intersection

Quanzhou Housing Provident Fund Management Center Answer: Now there is this policy. The policy will be implemented until December 31, 2022. What policies will there be next year, we cannot know at present.

Can the provident fund be applied for use in Quan in Haikou?

Mr. Huang asked: I have worked in Haikou, Hainan Province for many years, and have been paying the provident fund in Haikou, but my hukou is still in my hometown Anxi. I haven't bought a house yet. If I want to buy a house in Anxi, can I apply for the provident fund?

Quanzhou Housing Provident Fund Management Center Answer: If the hukou is in Quanzhou, you can apply for a remote provident fund. Before starting the application, the provident fund needs to be paid for 12 consecutive months, and it cannot be disconnected in the middle. At that time, we will also evaluate the loan amount based on the amount of provident fund, household income, liabilities, and years paid. If Mr. Huang is married, both husband and wife must go to the provident fund management center where the real estate report is located on site.

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