The loan application materials are complete, and the review time shall not exceed 10 working days; If the loan conditions are met, the loan period shall not exceed 5 working days after the mortgage registration is completed. The bank is responsible for reviewing and arranging the loan amount of the loan part of the portfolio lender.

Chongqing provident fund loan interest rate

First, the interest rate of the first personal housing provident fund loan will be lowered from the current 5-year (including 5-year) 2.75% to 2.6%, and from the current 5-year 3.25% to 3. 1%. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rate of loans with a term of less than five years (including five years) is 3.025%, and the interest rate of loans with a term of more than five years is 3.575%.

Second, the personal housing provident fund loans issued before June 65438+ 10/in 2022 will implement the new interest rate standard from June 65438+1 0/in 2023.

3. All management departments will return the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October12022 to the state of adjustable interest rate, and submit them for review after repositioning according to the requirements of this notice.

4. For the loan with adjusted interest rate, it is necessary to reprint the loan approval form and sign a special agreement, which involves interest rate and monthly repayment amount.

5. After June (65438)+ 10 (65438+ 10) in 2022, the vacant amount of the first housing provident fund individual housing mortgage lease shall be implemented at the adjusted interest rate.

What are the loan conditions of Chongqing housing provident fund? Chongqing housing provident fund loan process

Chongqing housing provident fund loan conditions

Applying for provident fund loans in Chongqing shall meet the following conditions:

1, the loan is continuously deposited and paid normally, and the records of the first six months of the loan need to be complete;

2. Citizens who have reached the age of 18 and have full capacity for civil conduct have good credit status, no default, delay, and other untrustworthy behaviors, and have a normal and stable source of income;

3. Chongqing local real estate mortgage guarantee or purchase transaction contract;

4. The down payment has been paid, and there is no outstanding provident fund loan amount.

Chongqing housing provident fund loan process

Chongqing provident fund loan process is:

1. The borrower applies for a loan at the bank or provident fund center;

2. The bank or provident fund center shall give the borrower a formal reply within 10 days from the date of receiving the loan application and the materials that meet the requirements;

3, the bank or provident fund center for approval, to the borrower housing loans.

Among them, the amount of loans granted shall not be greater than the value of the house to be purchased assessed by the real estate appraisal agency.

Chongqing housing provident fund loan materials

Chongqing housing provident fund first-hand housing loan materials are:

1. Identity cards and household registration books (or other valid residence certificates) of the borrower and the co-owners of property rights (including spouses);

2. Chongqing commercial housing sales contract;

3, the borrower to pay no less than 20% of the total purchase price of self-financing credentials;

4. Proof of income of the borrower and spouse;

5 proof of the marital status of the borrower and the co-owner of the property right (including the single certificate);

6. Certificate of transfer account issued by the unit where the house is located;

7. Other materials required by Chongqing Provident Fund Center.

After the provident fund loan is issued, can the balance in the original account be withdrawn?

After the provident fund loan is issued, the balance in the original account can be withdrawn. Take the "Administrative Measures for the Extraction of Housing Provident Fund in Chongqing" as an example. Employees or their spouses who repay the principal and interest of housing loans within the loan term and repayment amount may apply for withdrawing the storage balance in their housing provident fund accounts.

First, the provident fund loan amount

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than six months, and pay the housing provident fund according to regulations can enjoy the provident fund loan when the funds are insufficient to buy or build houses or renovate or overhaul houses. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and loan ceiling. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Housing: The Ministry of Construction, the People's Bank of China and the Ministry of Finance of China have clearly stated that it will be implemented from September 15. For families who own houses and have settled the corresponding housing loans, the minimum down payment ratio will be reduced from 30% to 20% if they apply for housing provident fund entrusted loans to buy houses again to improve their living conditions.

Two. credit terms

The total amount of provident fund paid by the borrower and his family members reaches at least 20% of the newly purchased (overhauled) housing expenditure; The lender has a stable economic income and the ability to repay the principal and interest; The borrower agrees to apply for housing mortgage registration insurance; Provide the guarantee method agreed by the local housing provident fund management center and its subordinate sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

The People's Bank of China adjusted and released the interest rate of provident fund loans. Since August 26th, 20 15, the People's Bank of China has lowered the benchmark interest rates for RMB loans and deposits of financial institutions. Personal housing provident fund deposit and loan interest rates will be adjusted accordingly. The adjusted annual interest rate of individual housing provident fund loans is 2.75% for five years and below, and 3.25% for five years and above.

After the provident fund loan is issued, can the balance in the original account be withdrawn?

After the provident fund loan is issued, the balance in the original account can be withdrawn.

Take the "Administrative Measures for the Extraction of Housing Provident Fund in Chongqing" as an example. Employees or their spouses who repay the principal and interest of housing loans within the loan term and repayment amount may apply for withdrawing the storage balance in their housing provident fund accounts.

The amount and frequency of employees' withdrawal of housing provident fund are: if employees or their spouses repay the principal and interest of housing loans, they can withdraw once a year, and the total amount of withdrawal shall not exceed the amount of loan principal and interest that should be repaid in that year.

Extended data:

Information required for withdrawal of provident fund

If the employee has not been re-employed after two years of termination of the labor relationship with the unit, it is necessary to provide an agreement to terminate the labor relationship with the unit or proof of unemployment.

When employees repay the principal and interest of housing loans, they need to provide the Property Ownership Certificate or the Pre-sale (Pre-purchase) Contract of Commercial Housing in Chongqing, the Mortgage Loan Contract of Commercial Housing in Chongqing or the Loan Contract registered by the real estate management authority for the first time; Every time in the future, you only need to provide the printed "Chongqing Housing Provident Fund Loan Repayment Certificate" and the recent personal housing loan repayment certificate.

If the spouse repays the principal and interest of the house purchase loan, in addition to the above information, he should also provide a marriage certificate or household registration book.