How many suites can I buy from the housing provident fund?

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Housing provident fund is a kind of guarantee that the company will pay when we join the company, which brings a lot of convenience to employees in buying houses, overhauling houses and renting houses. So how many suites can the housing provident fund buy and how to use the housing provident fund? Do you know that?/You know what? Now let's have a look.

1. How many suites can I buy from the housing provident fund?

Housing provident fund can only be used to buy a house at a time. Only when the loan of the house is paid off or the house is transferred to others can the provident fund be used to buy a second house. Buying a house with housing provident fund requires a down payment of 20%~30%, and the loan interest rate is only 4.5%, which is much lower than buying a house with commercial loans.

Second, how is the housing provident fund used?

1. Individuals who apply to use the housing provident fund must have full capacity for civil conduct, permanent residence in this city and valid identity documents.

2. Before applying for the withdrawal of housing provident fund, you need to sign a purchase contract with the developer, and pay the corresponding down payment according to the contract, and then apply for the withdrawal of housing provident fund with payment vouchers and materials.

3. If you want to apply for housing provident fund, you need to have a stable job and salary income, and have the strength to pay the monthly principal and interest.

4. 6 months before applying for provident fund loans, you need to pay the housing provident fund in full every month to ensure the normal use of the provident fund.

5. Individuals who need loans should maintain good credit, and the overdue period should not exceed 3 times in the two years before applying for loans, and the accumulated overdue period should not exceed 6 times.

6. The individual who applies for a loan may not have other debts with relatively large amounts, which may cause the lender to be unable to repay the loan.

How many suites can be bought with housing provident fund, and how to use housing provident fund is introduced here first. You got it? Can't buy two sets of provident fund loans at the same time. You must buy a second house after the first loan is paid off.

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