Zhengzhou provident fund loan new policy: 1. Workers who normally pay the housing provident fund in the housing provident fund management center and purchase or build self-occupied housing within the administrative area of this Municipality may apply for individual housing loans for housing provident fund (borrowers are buyers and employees who are paying the housing provident fund). 2. Valid identification of the borrower and his spouse; 3. The specified down payment has been paid, and the down payment loan amount = the total house payment, but the house payment has not been paid; 4. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months after opening the deposit account, and has not paid it for more than 4 months recently; 5. The family has stable income, good reputation and the ability to repay the loan principal and interest; 6. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center. 7. The borrower and spouse have no outstanding housing provident fund loans or large debts.
According to "Regulations on the Management of Housing Provident Fund", it is a law formulated by the State Council in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents. These Measures shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
skill
The above answers are only for the current information combined with my understanding of the law, please refer carefully!
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Zhengzhou provident fund loan amount
The loan amount of Zhengzhou provident fund shall not exceed the prescribed multiple of the deposit balance, and the monthly repayment amount shall not exceed 60% of the family income. If the borrower's unilateral deposit status meets the conditions of Zhengzhou housing provident fund loan, the maximum single loan amount shall not exceed 400,000 yuan; The deposit of both husband and wife also meets the conditions of Zhengzhou housing provident fund loan, and the maximum single loan amount does not exceed 600,000 yuan.
legal ground
Article 6 of the Regulations on the Management of Housing Provident Fund
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.
Article 26
Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
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What are the requirements for Zhengzhou provident fund loans in different places?
Treatment conditions
target
When Zhengzhou housing provident fund is paid to employees in different places to buy houses in Zhengzhou, the borrower should have Zhengzhou household registration and meet the conditions for applying for provident fund loans, and can apply for Zhengzhou housing provident fund loans.
situation
1. The borrower and its spouse have valid identification;
2. The down payment has been paid in proportion, and the down payment loan amount = the total house payment, but the house payment has not been paid;
3. The borrower has paid the housing accumulation fund 12 months or more continuously and normally, and the amount in arrears in the near future does not exceed 4 months;
4, the family income is stable, good credit, have the ability to repay the loan principal and interest;
5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;
6. The borrower and spouse have no outstanding housing provident fund loans or large debts;
Handling materials
1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing accumulation fund in different places; One original, kept by the center, and the certificate format is provided by the housing provident fund management center of our city)
2. Proof of deposit of housing provident fund in different places and details of deposit in the latest year. (One original and one copy, check the original and receive the copy)
3. No loan certificate issued by the relevant department where the employee works.
4. Other information is the same as the normal housing provident fund loan.
Handling process
Main desk consultation
The loan applicant can consult and receive the Certificate of Housing Provident Fund Deposit at our housing provident fund business outlets, or download it from our housing provident fund website.
Write a certificate
The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
The latest policy of Zhengzhou provident fund loan
Since June 10, 2022, the first personal housing provident fund loan in Zhengzhou has implemented the new interest rate.
From June 65438+1 October1day, 2022, the interest rate of the first personal housing provident fund loan in Zhengzhou was reduced from the current 2.75% for five years and below to 2.6%, and from the current 3.25% for five years and above to 3. 1%.
Zhengzhou provident fund loan amount
● The deposits of both husband and wife of the borrower meet the conditions of provident fund loans. If the first family house is purchased with provident fund loans for the first time, the maximum amount of provident fund loans is 800,000 yuan. If the borrower pays the provident fund loan unilaterally, and the family uses the provident fund loan for the second time and buys a second family house, the maximum amount of the provident fund loan is 600,000 yuan.
● If the family uses the provident fund loan for the first time, within the corresponding maximum provident fund loan amount, the single loan amount shall be determined according to the comprehensive repayment ability, the longest loan period and the loan proportion. If a family uses a provident fund loan for the second time or buys a second family house, within the corresponding maximum loan amount, a single loan amount shall be determined according to the balance of household deposits, repayment ability, the longest loan period and loan ratio.
● If the housing loan of a commercial bank is not settled, its repayment ability shall be determined by the combined monthly repayment amount. If the repayment ability is insufficient, the amount of provident fund loans will be reduced.
● If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.
What are the loan conditions for Zhengzhou commercial loan to provident fund?
With the implementation of the new policy of Henan provident fund, many Zhengzhou people want to convert commercial loans into provident fund loans. But what conditions do you need? Many people may not know. Let me tell you in detail today.
Zhengzhou commercial loans to provident fund loans need to meet the following application conditions
1. The borrower has continuously, normally and fully paid the housing accumulation fund for more than 6 months (except for new cadres and the introduction of high-tech talents);
2, stable income, good reputation, the ability to repay the loan principal and interest;
3. Agree to guarantee by means of core recognition of housing provident fund management;
4. The borrower and spouse have no outstanding provident fund loans, other large debts or are providing loan guarantees for others;
5. The property purchased by the original commercial loan is a first-hand commercial house (non-second-hand house), and the property ownership certificate has been obtained;
6. The original commercial loan issued by the cooperative bank is the core business of housing provident fund management, and the repayment has been completed for more than one year. In the recent 24 repayment records, the default has not exceeded 2 consecutive installments or 4 cumulative installments.
In addition to knowing the conditions for transferring Zhengzhou commercial loans to provident fund loans, many people also want to know the amount of Zhengzhou provident fund loans, as follows:
loan limit
1. The house purchased by the original commercial loan is a family with fewer houses, and the loan amount shall not exceed 70% of the original purchase price, 60% of the appraised price and the principal balance of the original commercial loan;
2. If the family owns two houses, the loan amount shall not be higher than 40% of the total price of the purchased property; Temporarily not to provide housing provident fund loans to families who already own third and above houses;
3. If the borrower unilaterally deposits the provident fund in Zhengzhou, the single higher loan amount shall not exceed 600,000 yuan;
4. The specific loan amount is determined according to the above provisions in combination with the borrower's loan period and family income.
This concludes the introduction of the loan conditions of Zhengzhou Provident Fund and how long it takes to pay the loan conditions of Zhengzhou Provident Fund. I wonder if you have found the information you need?