The provident fund is a very cost-effective and very popular policy. If you accept the provident fund policy, you can pay cash in a limited number of years. When you need it, you can take it out of the money and relieve some of the burden. A lot of people have to ask, what are the conditions for the withdrawal of the housing provident fund , and what are the precautions for the provident fund loan? Don't worry, listen to Xiaobian!
First, the house accumulation fund decoration extraction conditions
If the depositor applies for the withdrawal of the housing accumulation fund to renovate the self-occupied housing, the following conditions shall be met:
1. Have permanent residence or permanent residence status in the province;
2. Have a certificate of house property rights or a certificate issued by the property rights unit of the house that owns the right to use the house. If you have not yet obtained the proof of the property right of the new house, you can provide the full purchase invoice and the developer’s notice of the delivery of the house;
3. It has a housing renovation contract, decoration estimate book and related materials signed by the decoration and decoration enterprise approved by the authorized department; the residents need to provide the project budget table for their own decoration;
4, with good credit, can guarantee the authenticity of the withdrawal of the provident fund, and put into the project construction before the withdrawal of the provident fund, provide the housing renovation down payment tax control invoice or the construction budget form required building materials invoice (workers self-renovation)
Second, the consideration of the provident fund loan
1. If there is a real need for decoration in the home, you can go to the real estate guarantee in each district. If you are cashing, you can find an acquaintance in the real estate guarantee company, or find a mortgage agent and a lending institution.
2. If someone on the production certificate cannot be present at the time of signing, it is necessary to apply for notarization, and the notarization will delegate the mortgage of the house and the handling rights of the loan to others.
3. The balance of the CPF account of the main lender is required to be sufficient, generally 1/40 of the loan amount, and is continuously deposited for 6 months. Insufficient balance may result in an increase in processing costs.
4, the general requirements for the renovation of the housing area is greater than 70 square meters, TF units can be properly relaxed, the age of the room is better within 15 years, TF units can be properly relaxed to 20 years. Failure to meet the above requirements will result in an increase in processing costs.
5, when processing, TF should do the shop around, especially the relatively normal TF, generally do not have any difficulty in handling the provident fund renovation loan, any intermediary can make, it depends on which price is more affordable.
6. At present, the quota for the settlement of construction fund loans is generally 1,000 yuan per square meter, and may be further relaxed to 2,000 yuan per square meter in the future. Once the opening of 2,000 yuan per square meter, the processing costs will be relatively increased.
7. As with normal commercial loans, provident fund refining loans generally require the lender to have a good credit history. In the past, there should not be too many overdue records of credit repayments, which would lead to an increase in handling costs.
8. If the provident fund decoration loan is not paid off, it is not possible to apply for a new provident fund housing loan. Therefore, the TF that has a short-term purchase demand is not allowed to make a provident fund renovation loan.
9. The first two months of repayment of the provident fund renovation loan is to require the cash to be deposited in the repayment account before the loan can be used to offset the loan. After obtaining the loan, do not take all the accounts in the account, leaving at least 2 months of repayment. The amount, so as not to cause a repayment default.
Through the introduction of the above-mentioned small series on the extraction conditions of the house provident fund decoration, I believe that everyone has a certain understanding, want to know more about the provisions of the provident fund decoration extraction conditions, you can check online! For more information on decoration, please continue to pay attention to the decoration home network!
Wardrobe Cabinet Handle,Thickened Solid Door Handle,Pure Copper Door Handle,Minimalist Wardrobe Invisible Handle
Guangzhou Junpai Hardware Co., Ltd , https://www.gdjhfurniture.com