Recently, the State Administration of provident fund center announced that provident fund loans to buy a house must wait for the first loan to settle for 5 years. Reporters learned from the Hefei housing provident fund management center, Hefei provident fund refinancing only need to pay off. However, a family can only use the provident fund for two times.
In January 3rd, the central state organ housing fund management center issued a notice that the first housing provident fund personal loan was cleared for 5 years, and the housing provident fund individual loan could be applied again according to the regulations. The reporter learned that the main target of the notice is in Beijing housing and urban and rural construction commission real estate transaction system in the real estate contract online contract time for the January 1, 2014 (containing) workers, and will not affect the citizens of Hefei.
Now in Hefei, if the purchase of housing provident fund personal loans, can not be repaid before it can be used again. After the repayment, as long as it still meets the policy requirements, can apply for housing provident fund personal loans again, no interval requirement. For a family, only two provident fund loans can be used. Moreover, borrowers and spouses can only enjoy a housing accumulation fund loan at the same time.
It is necessary to pay attention to the maturity of the loan when the loan is used again. The maximum loan period is 20 years, and the borrower's age and loan term should not be more than 5 years after the legal retirement age, and the loan should be applied before the retirement.