Read through the Measures for the Administration of Personal Housing Provident Fund Loans in Dalian and get the following information:
1, if the borrower's unit is in arrears with the housing provident fund for more than 65 days (including 65 days), the loan will not be granted (this depends on whether you meet the requirements. If the loan suspension period is too long, the loan will not be granted, but it can be withdrawn).
2. In any of the following circumstances, you can withdraw the housing provident fund:
(a) retirement;
(two) completely lose the ability to work, and terminate the labor relationship with the unit;
(three) to leave the country or to settle in Hongkong, Macao and Taiwan Province;
(four) the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
(five) to repay the loan principal and interest for the purchase of personal occupied housing;
(six) the monthly rent of the rented house exceeds the monthly salary of the family 15%;
(seven) agricultural registered permanent residence employees whose household registration is in the administrative area of Dalian, who have paid the housing provident fund and terminated the labor (personnel) relationship with the unit.
In line with the provisions of items (1), (2), (3) and (7) of the preceding paragraph, the account shall be cancelled at the same time.
Article 11
Loan amount = (borrower's total monthly housing provident fund deposit/housing provident fund deposit ratio× repayment ability coefficient a borrower's total monthly housing provident fund deposit )×12× loan period. Among them, the repayment ability coefficient A is a variable parameter.
So to sum up, you'd better go to your local provident fund management center to consult the staff there. Basically, as long as your efforts are not too serious, there is no big problem.
For reference only, hope to adopt.
2. What are the conditions for Dalian provident fund loan?
Subjectivity of law: the process of handling Dalian provident fund loan is that the borrower submits the relevant loan materials, and the office staff conducts a preliminary review of the materials. If the materials are complete and conform to the statutory form, they will be accepted immediately. The examination and approval personnel verify the substance of the application materials, determine the amount and duration of the provident fund loan, make a decision to approve the loan, and sign a loan contract with the borrower. The following is a detailed answer to the questions about the handling process of Dalian Provident Fund loan by Bian Xiao. 1. How to apply for Dalian provident fund loan 1. The borrower needs to submit relevant loan information; 2, preliminary examination, the office staff to conduct a preliminary review of the materials; 3, acceptance, complete materials, in line with the statutory form, immediate acceptance; 4, examination and approval personnel to verify the substance of the application materials, determine the amount of provident fund loans and loan period; 5. Make a decision on granting the loan and sign a loan contract with the borrower. 2. The condition for handling Dalian provident fund loan is 1. Workers who have paid housing provident fund normally include on-the-job workers, individual industrial and commercial households and their employees, part-time employees, flexible employees, compatriots from Hong Kong, Macao and Taiwan, and overseas Chinese and foreigners who enjoy permanent residency in foreign countries. 2. It must be 180 days to set up an individual housing provident fund account, counting forward from the date of applying for provident fund loans, and paying the housing provident fund on time, in full and continuously for more than 6 months (inclusive). If the borrower's housing provident fund account is in an abnormal state such as sealing, freezing and cancellation, or has been in arrears for more than 65 days (inclusive), the loan will not be granted. 3. Not reaching the statutory retirement age. 4. Have full capacity for civil conduct. 5. The borrower's family has no outstanding provident fund loans (including provident fund loans under the names of husband and wife, including off-site provident fund loans and discount loans). 6. I, as the owner of the house or the owner of the house, buy the second-hand self-occupied ordinary house in the urban area of this city, and use the purchased house as collateral. A house is the first or second house purchased by a family. 7. When the borrower and spouse apply for provident fund loans, their income is stable, their credit is good, they have the ability to repay the loan principal and interest, and they have no bad loan records or bad credit records. 8, in line with the purchase of second-hand self-occupied ordinary housing related procedures, documents and the proportion of self-raised funds. 9. Provide assets that meet the provisions of the Civil Code of People's Republic of China (PRC) and are recognized by the Firm as collateral, and the ownership of the mortgaged house is clear, which will not affect the realization of the mortgage right of the Firm. 10, meeting other conditions stipulated by laws, regulations and rules. III. Dalian Provident Fund loan processing materials 1, deed tax invoice; 2. Identity card; 3. marital status materials; 4. Household registration book; 5. Real estate sales contracts or contracts; 6, provident fund joint card; 7. Certificate of immovable property right. IV. Handling of Dalian Provident Fund Loan According to 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. We can apply for provident fund loans when buying new or second-hand houses. The eligibility for provident fund loans is relatively strict, and you can't apply for provident fund loans when you buy a third suite. This is a place that needs everyone's attention. I hope the above content can help you. If you have other legal problems, you can consult online.
Legal objectivity: Article 24 of the Regulations on Housing Provident Fund: Employees may withdraw the balance of their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
3. What is the maximum loan of Dalian Provident Fund? What should I do?
1. (individual contribution/individual contribution ratio -400)/ repayment coefficient per 10,000 yuan;
2. The loan can reach up to 80% of the appraised value of the purchased house;
3. Generally, the maximum loanable amount is 800,000. If the credit rating is AA, the maximum loanable amount is 920,000, and AAA is 1.04 million. At the same time, the maximum loanable amount of provident fund loans is constrained. In case of any discrepancy between the three, the minimum loanable amount shall prevail.
Condition: 1. The borrower must open an individual housing provident fund account for 90 days, calculate forward from the date of applying for provident fund loans, and pay the housing provident fund on time, in full and continuously for more than 3 months.
2. I or my spouse, parents and children buy commercial housing in this city, and the purchase behavior occurs within one year.
3. The borrower has no provident fund loan being repaid. The borrower and spouse have good credit, and no more than 2 housing loans are being repaid (inclusive).
4. There are relevant procedures for purchasing commercial housing and a specified proportion of self-raised funds, and they can apply for mortgage loans.
5. The borrower and the mortgagor must be 18 years old.
6. Meet other conditions stipulated by laws, regulations and rules.
4. What are the requirements for applying for provident fund loans in Dalian?
Read through the Measures for the Administration of Personal Housing Provident Fund Loans in Dalian and get the following information:
1, if the borrower's unit is in arrears with the housing provident fund for more than 65 days (including 65 days), the loan will not be granted (this depends on whether you meet the requirements, and will be taken when breaking off the relationship).
2. In any of the following circumstances, you can withdraw the housing provident fund:
(1) From
(two) completely lose the ability to work, and terminate the labor relationship with the unit;
(three) to leave the country or to settle in Hongkong, Macao and Taiwan Province;
(four) the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
(five) to repay the loan principal and interest for the purchase of personal occupied housing;
(six) the monthly rent of the rented house exceeds the monthly salary of the family 15%;
(seven) agricultural registered permanent residence workers with household registration and housing provident fund, and the unit to terminate (terminate) the relationship.
In line with the provisions of items (1), (2), (3) and (7) of the preceding paragraph, the account shall be cancelled at the same time.
Article 11
Loan amount = (borrower's monthly housing provident fund deposit ratio × repayment ability coefficient a borrower's monthly housing provident fund deposit total amount) × 12× loan period. Among them, the repayment ability coefficient A is a variable parameter.
So to sum up, you'd better go to your local provident fund management center to consult the staff there. Basically, as long as your efforts are not too serious, there is no big problem.
For reference only, hope to adopt.