Application conditions for provident fund loans:

Conditions for applying for individual housing provident fund loans

1. Have a household registration in People's Republic of China (PRC) and a valid identity card (compatriots from Hong Kong, Macao and Taiwan and foreigners with permanent residency in China should hold their mainland travel permits, passports or permanent residence identity cards when applying for loans).

2. When applying for a loan, the applicant's deposit shall meet the following conditions:

(1) The registered employees in this city have continuously paid the housing accumulation fund in full 1 year or more (inclusive);

(2) Employees who are not registered in this Municipality have continuously paid the housing provident fund in full for more than 2 years (inclusive);

(3) Voluntary depositors also need to pay for more than half a year (including half a year);

(4) Non-local registered employees with Guangzhou talent green card apply for provident fund loans and enjoy the treatment of local registered employees;

3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled;

4. The down payment for house purchase has been paid as required;

5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;

6, housing provident fund deposit priority for repayment of personal housing provident fund loans.

Application materials for provident fund loans:

1. Valid identification

2. Household registration

3. Marriage certificate

4. Bank deposits

5. Real estate registration certificate

6. Housing sales contract

7. Personal information inquiry authorization

8. Commitment letter

9. Power of attorney for personal information inquiry and submission in the basic database of financial credit information

10. The first invoice (provided by the first-hand house)

1 1. Housing appraisal report (property certificate provided for existing houses)

Frequently asked questions on provident fund loan application:

1. Will housing provident fund loans be charged?

Housing provident fund management center for individuals to handle housing provident fund loan procedures, free of charge.

2. What about housing in loans overdue after the repayment of provident fund loans?

Provident fund loan repayment business refers to the business that employees (borrowers and spouses) who normally deposit housing provident fund in this city and have applied for individual housing provident fund loans entrust the municipal housing provident fund management center to withdraw the balance in their housing provident fund accounts on a monthly basis to repay the total principal and interest of their individual housing provident fund loans.

If the balance of the account is less than the principal and interest due this month, the total principal and interest of the personal housing provident fund loan due this month should be deposited into the repayment card of the original designated bank in time to ensure the normal repayment every month.

3. Is there a requirement to deposit provident fund for provident fund loans? Can employees who have paid provident fund in other cities or registered employees in other cities apply for provident fund loans when buying houses in our city?

Provident fund loans have no restrictions on the place of deposit. You can apply for provident fund loans in both cases you just mentioned. Employees who have paid provident fund in other cities can apply for provident fund loans as long as they meet the conditions of provident fund loans in our city and issue certificates of payment and use of housing provident fund for employees who have borrowed from other places in the provident fund management center of the city where the provident fund is paid.

In addition, employees who meet the conditions of provident fund loans in our city and buy houses in our city can apply for provident fund loans, regardless of their foreign household registration or household registration in this city.

4. Is there a difference in the amount and interest rate between the first application and the second application for provident fund loans?

Of course there is a difference. The maximum loan amount for the first home is: 250,000 yuan for one employee and 500,000 yuan for two or more employees. The maximum amount of the second home loan is: 200,000 for one employee and 400,000 for two or more employees.

The loan interest rates of the first suite and the second suite are also different, and the loan interest rate of the first suite is subject to the benchmark interest rate announced by the People's Bank of China. The interest rate of the second home loan is 1. 1 times that of the first home loan in the same period.

Verb (abbreviation of verb) How to deduct money when the deduction date agreed in the loan contract falls on weekends or legal holidays?

If the deduction date of provident fund loan happens to be a weekend or a legal holiday, the deduction date will be postponed to the next working day for deduction.

Housing accumulation fund is becoming more and more familiar to us. Although the housing accumulation fund has strong welfare, it can relieve the pressure of employees to buy houses, but it is the last word that money should be put in their own pockets. Therefore, proper financial management, so that your savings can also bring you some benefits, so that you can minimize the economic pressure when buying a house.

How to borrow housing provident fund?

The housing provident fund loan process is as follows:

1, the deposit certificate of the housing provident fund of the applicant and spouse.

2, the applicant and spouse identification (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status.

3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability.

4, the purchase of housing contracts, agreements and other valid documents.

5. List of collateral and pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments.

The loan object shall meet the following conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

How to borrow housing provident fund loans?

First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund 12 months or more continuously.

The first step, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the Housing Provident Fund Loan Application Form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the applicant and spouse's housing provident fund has been paid on time; Proof of economic income of the applicant and spouse; Contracts, agreements and other relevant certificates of the purchased house; Legal certificate and value certificate as loan collateral;

The third step, the information is complete and meets the requirements, and the bank immediately accepts the audit and submits it to the provident fund center in time;

The fourth step, after receiving the bank price increase information provided by the applicant, the provident fund center will; Immediately review, notify the bank immediately after the review is passed, and issue the Notice of Collateral Review and Evaluation;

Fifth, after the approval of the provident fund center, the bank will call the applicant to go to the bank to handle the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the provident fund center for approval again;

Step 6, after the approval of the provident fund center, the provident fund center signs an entrusted loan agreement with the entrusted bank;

Step 7, according to the entrusted loan agreement, the entrusted bank will go through the loan procedures with the applicant and transfer the loan after signing the Housing Provident Fund Entrusted Loan Mortgage Contract, the Housing Provident Fund Entrusted Loan Pledge Contract and the Housing Provident Fund Entrusted Loan Guarantee Contract respectively;

The eighth step is to go through the mortgage guarantee procedures, and generally there will be a guarantee company to handle it on its behalf.

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How to borrow provident fund

Housing provident fund loan process

1 Get the application form for provident fund loan, or download it yourself in official website. After completing it, submit all relevant personal materials and certificates to the provident fund management center to apply for provident fund loan;

2 After accepting the application, the provident fund management center will investigate and verify all the materials, risks and personal credit information provided by the applicant to see if it meets the loan requirements;

3 after the approval of the provident fund management center, the entrusted bank transfers funds to the center according to the qualified application procedures;

The bank will transfer all the loan funds to the developer's account according to the contract.

It should be noted that if the amount of provident fund loans is not enough, the rest can apply for commercial loans, so the main body of commercial loans is banks. Whether the applicant can meet the requirements of the bank mainly depends on the individual's repayment ability.

What is the down payment ratio of provident fund loans?

Provident fund loans also require their own down payment, and the down payment can not be made up by withdrawing money from the provident fund. The minimum down payment ratio for purchasing the first home with provident fund loans is 30%, and the loan interest rate is the benchmark interest rate for personal housing provident fund loans; If the purchaser owns 1 house under the family name of this city and uses the provident fund loan to purchase a house again, the down payment ratio of the provident fund loan shall be no less than 70%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the individual housing provident fund loan. Suspend the issuance of personal housing provident fund loans for families to buy third and above houses.

The process of housing provident fund loan is actually very simple. The most important step is the approval of the provident fund management center, which takes a long time, about two or three months, because the applicants will be comprehensively evaluated.

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How to borrow provident fund?

Housing provident fund loan conditions

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

target

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.

use

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.

procedure

(a) the applicant and spouse housing provident fund deposit certificate;

(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;

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How to use provident fund loans

Provident fund loans are generally used to purchase houses, and can be used after the following procedures: the borrower applies for loans in the bank, fills in the application form for provident fund loans, and submits materials. After the bank accepts it, it will conduct a preliminary examination and then submit it to the local provident fund center; The provident fund center will approve the loan and notify the bank of the result after approval. If the loan is approved, the bank will inform the borrower to go through the loan formalities and sign the loan contract. The borrower should use mortgage to guarantee the loan, register the mortgage and borrow from the bank.

According to the "Implementation Measures for Personal Housing Provident Fund Loans", the borrower applying for such loans must meet the following conditions: the borrower is an individual who normally pays the housing provident fund in the "provident fund center"; The borrower purchases affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a house purchase contract or relevant supporting documents; The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest; The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.

After meeting these conditions, you can apply for a loan from the bank with your ID card, the purchase contract signed by the real estate company, the monthly income certificate (payroll) issued by the provident fund center, and the deposit certificate of the provident fund. Generally speaking, in order to ensure the safety of funds, banks should conduct certain audits on the credit and economic strength of borrowers.