There must be a guarantor to buy a house in a foreign country
Shandong commercial newspaper reporter Gao Yulong
23 day, Ji'nan housing provident fund management center, the person in charge of the guest affairs hotline, on the public provident fund concerned The question is answered. The reporter learned that, in view of the problem of foreign fund loans, Ji'nan housing provident fund management center also said that the household register can also use the provident fund loan in Ji'nan, but the premise is that a guarantor is needed. The guarantor needs to bear certain joint and several liability for the lender, but it does not affect the qualification of the guarantor.
the public fund loan policy has been implemented for a long time, in the 23 day of the Ji'nan housing provident fund management center online interview, the residents said that the residence is not in Ji'nan, is it possible to use the provident fund in Ji'nan for loans? In this regard, Zhang Peili, deputy director of the Ji'nan housing provident fund management center, said that the non Ji'nan household registration staff in other cities in the province were buying ordinary self living housing in Ji'nan, providing a guarantee for a stable household registration staff in Ji'nan, which could apply for housing provident fund loans to the Ji'nan provident fund center. From the point of view, the application for foreign loans should be provided by the central provident fund center, which is issued by the central provident fund center, as well as the proof of the non provident fund and the certificate of the housing property registration issued by the housing property registration department.
for the guarantor, it must be required to be the household registration of Ji'nan, and to ensure that the income must be stable, and the guarantor must bear certain responsibility once the problem arises. However, Zhang Peili also said that the guarantor will not affect the eligibility of the loan after the guarantee is made. At the same time, the guarantor of the loan for different places in the province can be changed, as long as the relevant provisions of the contract change can be implemented.
in addition, if the public provident fund is disconnected from the public, can we continue to make use of the loan of the provident fund, Zhang Peili said that according to the relevant provisions, the continuous full payment of 6 months (including), can apply for housing provident fund personal loans. For the replacement of the workers, as long as the individual in 6 months can be paid as a normal payment, as long as the unit in 3 months as a whole made up, is the normal deposit.
in the extraction of the provident fund, Zhang Peili also said that employees bought self - owned housing with their own property rights and did not handle housing provident fund loans or combined loans. In the three years of obtaining effective vouchers and proof materials, the storage balance of the housing provident fund was extracted at a time, and the amount of extraction should not exceed the purchase of self housing housing. Actual expenditure, and one housing can only be extracted once. But the staff and workers for housing provident fund loans or combined loans, each repayment of the repayment of interest after a year, can be extracted a housing provident fund, the two time interval of no less than 12 months, the amount of extraction must not exceed the repayment of repayment of the repayment of the loan principal and interest.