20 1 4165438+1October1,the policy of opening accounts for provident fund loans was adjusted, and some restrictions on secondary loans were cancelled. Workers' families can apply for a second provident fund loan as long as they have paid off the first provident fund loan. Say it again.
Requirements for the second provident fund loan
1. Only employees who have paid the national housing provident fund are eligible to apply for loans from the national housing provident fund, while employees under the housing provident fund system cannot apply for the national housing provident fund.
2. Employees who participate in the payment of the national housing provident fund may apply for individual housing loans from the national housing provident fund, and they must be paid continuously for 6 months before the second housing provident fund loan. Because the on-the-job employee pays the housing provident fund intermittently in the country, this indirectly shows that his income is unstable and risky.
3. The spouses of employees who applied for housing provident fund also applied for housing provident fund loans, and the employees who applied for housing provident fund loans before applying for housing provident fund. Because the national housing provident fund loan is a financial support and a kind of support when meeting the basic housing needs of the corresponding employees' families.
4. Applicants applying for the second set of housing provident fund loans have no other large debts to pay off or other related debts that may affect the repayment of the second set of housing provident fund loans, except for certain stable economic income. If the housing provident fund management center applies for a second house with other debts while granting housing provident fund loans to employees, it will have a great impact and risk on housing, which completely violates the basic principle of safe operation of housing provident fund.
5. The longest term of the second housing provident fund loan cannot exceed 30 years. To apply for provident fund portfolio loans, the repayment time of the second set of housing provident fund loans and commercial housing loans must be the same. It cannot be said that the loan exchange time of the second housing provident fund loan is shorter than that of the commercial housing loan, or similar.
Second, the provident fund secondary loan conditions
As a long-term housing deposit, provident fund is very useful when buying a house, building a house or overhauling a house. Many people will apply for provident fund loans to buy a house, and the provident fund can be applied for more than once. So, what are the conditions for the second loan of provident fund?
If you want to apply for a second loan with the provident fund, the provident fund loan you applied for for for the first time must have been paid off. If there is still a balance in the provident fund loan you applied for for for the first time, you can't apply for a provident fund loan again. After all, individuals are only allowed to borrow a provident fund loan at a time.
In addition, basic loan conditions such as good credit, no bad credit record, stable working income and the ability to repay the principal and interest on time must be met.
And if you apply for a second provident fund loan to buy a house, the down payment ratio will also increase. Generally, 60% down payment ratio is stipulated, but local policies may be different. In addition, it should be noted that the interest rate may rise when applying for provident fund loans for the second time.
The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.
3. Can I only apply for provident fund twice?
As long as the first provident fund loan is paid off, the second provident fund loan can be made, unless the provident fund center is short of funds to reduce lending. The down payment for the second set of provident fund loans is 60%, and the interest rate rises 10%. Conditions of provident fund loan: 1. On-the-job employees with full capacity for civil conduct and full payment of housing provident fund; 2, continuous normal deposit of housing provident fund for more than twelve months; 3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price; 4. Good personal credit, stable economic income and the ability to repay the loan principal and interest; 5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center. Process of handling provident fund loans: 1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) Proof of deposit of the applicant's and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract. (seven) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Four, provident fund loans secondary loan conditions
Legal analysis: (1) prerequisites for applying for housing provident fund loans in our city: 1. Continuous full deposit of housing provident fund for more than 6 months (inclusive); 2. The current personal provident fund account deposit status is displayed as normal; 3. The housing purchased (built) by the applicant does not belong to the third and above housing; 4. The purchased (built) house is within the administrative area of Zhaoqing City; 5. The applicant must be the owner or owner of the house purchased (built); 6. Pay the down payment according to the down payment ratio stipulated by our city. Buying a house for the first time is 20%, and there is already a set of 20% (settled loans) and a set of 30% (outstanding loans). 7 according to the provisions of the city to provide provident fund loans required information. (2) To apply for a second provident fund loan, the following conditions must be met: 1. The loan-to-deposit ratio of the city's provident fund (that is, the "personal loan rate") is within 90%; 2. The loan object is limited to employees who have paid the provident fund in our city (excluding employees who have not paid the provident fund in this city); 3. The applicant's family (referring to both husband and wife) must settle the first provident fund loan; 4. Limit the purchase of ordinary housing; Note: The standard of ordinary housing is building area 144_, or interior area 120_. 5. Loan interest rate rises 10%. Note: Both husband and wife have paid the provident fund normally, and only one of them has applied for a provident fund loan before marriage, and applying for a provident fund loan after marriage is also a second provident fund loan. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.