兄弟买房要借用我的公积金,这样的硬核操作是否安全?

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Some time ago, my brother asked me if I would buy a house. If I don’t buy it, I can lend it to him. The account is in my name, the house he lives, the monthly mortgage money, can you ask? To be honest, just edit The case of the provident fund was also borrowed several times, and each time it was rejected in good faith. After all, with the gradual understanding of the provident fund in these years, the purchase of housing provident fund has been recognized as the most secure way, and for those who borrow others, it can be said that borrowing the problem behind it is more!

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In the face of borrowing someone else’s account to buy a house, many people are always clever, thinking that borrowing someone’s name can avoid such taxes or the like. The borrowed person thinks that the house is in his own name and should have nothing. The problem is that there are quite a few things and problems inside.

First, borrowing your CPF account is equivalent to your first home purchase qualification. If you really need to buy a house, you can buy it again. At that time, the down payment ratio must be at least 60%, so don't look at helping others. The one that I bring to myself will be a high down payment ratio, and some will not pay for it!

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Second, the money in the account is equal to the requisition. Whether there is an agreement or a brother-in-law can be understood. Now that the provident fund can be taken out, if you give your provident fund to others for repayment, then you are equivalent to a fixed amount of money, although he will give you the loan every month, but this fixed capital There is no more for you. If you have any urgent use, you can’t count on it.

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xx第三,房子是你的名字,然后有一天,伙伴突然不偿还,或抵押房子两次,这里的风险只能被你接受!特别是在当前的高价格下,未来很可能会对房屋的所有权产生一些争议。如果你的兄弟希望你把房子的所有权转让给他,那将非常麻烦。另外,如果兄弟的收入不稳定,一旦供应被切断,也会影响你的信用。

此外,买房是每个家庭都必须面对的问题。现在房价上涨非常快。在一些一线城市,房价可以上涨到几百万。如果伙伴们不偿还贷款,那么他们就意味着自己。我想为贷款支付更多。对于正在工作的人来说,隐形带来了很大的生活压力。

因此,对于这种麻烦的事情,即使你的兄弟也很尴尬和不合理,但他有很多担忧和尴尬。所以果断地把它推开,以免小心处理,保持定时炸弹!