It takes 7 working days to approve the provident fund, and it is estimated that the bank loan will take 1 month. If it is a portfolio loan, it will take three months at the earliest, when the house is handed over and when the loan is released.
2. What is the maximum loan amount for each employee of Hefei Railway Provident Fund?
The amount of provident fund loans is calculated according to comprehensive qualifications.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, housing price ratio of provident fund loan and housing limit. The minimum method for calculating the four conditions is as follows:
The loan amount calculated according to the repayment ability: (monthly contribution of the borrower's monthly salary accumulation fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
Loan amount calculated according to house price: loan amount = house price × loan ratio. Among them, the loan ratio is based on different types of housing purchase, construction and maintenance and mortgage loans.
The loan amount calculated according to the balance of the housing provident fund account is 10 times of the balance of the housing provident fund account (the sum of the balance of the spouse's housing provident fund account at the same time) when the employee applies for the housing provident fund loan, and the balance of the housing provident fund account is less than 20,000.
If the provident fund calculated according to the maximum loan amount applies for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, the maximum loan amount is 600,000 yuan. Use my housing provident fund to apply for housing provident fund loans, and I will normally pay supplementary housing provident fund when applying for loans; At the same time, if I or my spouse use the spouse housing provident fund to apply for a loan, the maximum loan amount is 700,000 yuan.
3. When can the provident fund loan be approved?
Provident fund loans can generally be approved within 20 days. Provident fund loans, the staff will generally tell you that it takes ten days, ten working days, that is, twenty days. First of all, take your purchase contract and provident fund card. Household registration book, ID card, go to the provident fund to submit. The audit usually takes 3 to 5 working days. After the audit, go to the provident fund, sign a loan contract, and then wait for the loan. Procedures for housing provident fund loan: 1. The borrower shall collect and truthfully fill in the Application Form for Housing Provident Fund Loan from all branches of the Provident Fund Center, and submit relevant materials to the Provident Fund Center for review; 2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval; 3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches; 4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons; 5. The entrusted bank issues loans to borrowers. Applicant: Provident fund loans refer to employees who have permanent residence in local towns, have established housing provident fund system for more than 2 years, and pay housing provident fund according to regulations. When they don't have enough funds to buy or build a house or decorate or overhaul their own house, they can enjoy provident fund loans. The loan conditions are as follows: the total amount of provident fund paid by the borrower and his family members reaches at least 30% of the newly purchased (overhauled) housing expenditure; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
4. How long can the 20 16 Hefei Railway Provident Fund loan be approved?
Look at qualifications. It's usually the same day.