1, housing provident fund loans are granted to employees who have paid the housing provident fund in full for more than six months and have full civil capacity.

2. Citizens with valid identification.

3, the purchase of commercial housing, second-hand housing, housing units, etc. A down payment certificate should be issued and a house purchase contract should be signed; The down payment ratio for the purchase of houses below 90 square meters is not less than 20%, and the down payment ratio for houses above 90 square meters is not less than 30%.

4, with a stable economic income and the ability to repay the loan principal and interest on schedule. The loan period shall not exceed the statutory retirement age.

5. If the house property right certificate has been obtained, the house property right certificate and deed tax payment certificate shall be issued within one year from the date of applying for the loan.

6. The Lender agrees to use the assets specified in the Civil Law as mortgage or pledge.

7. Lenders who take the form of guarantee shall have more than two natural persons with stable income and good reputation who pay the housing provident fund normally according to the regulations to bear joint and several liability for guarantee. If the husband and wife normally deposit the housing provident fund, they shall provide a natural person with stable income as a guarantee; Those who have provided housing provident fund loan guarantees for others must apply for loans by way of real estate mortgage.

Loan materials

1, personal housing provident fund loan application form;

2. Valid identification certificates such as ID card and military officer's card, and valid residence certificates such as residence booklet and temporary residence permit;

3. Proof of marital status;

4. According to different loan situations, the following corresponding materials are required to provide the loan process.

1, employees provide important documents.

2, management center audit

Step 3 sign a contract

4. Apply for loan guarantee mortgage

5. The entrusted bank issues loans.

Before the reform of new policy loan fees (implementation): the fees related to provident fund loans mainly focus on evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰~ 4‰ of the total provident fund loans, and the highest can reach 8‰. At present, many expenses such as loan insurance, notarization and evaluation have been cancelled in the process of applying for provident fund loans.

Changes in loan amount and interest rate (implemented) Before the reform, the maximum loan amount of Zhoukou housing provident fund was 400,000 yuan. At present, the loan amount of housing provident fund has increased from 400,000 yuan to 450,000 yuan.

Loan amount:

1. The loan amount of housing provident fund is increased from 400,000 yuan to 450,000 yuan.

2. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan may not be less than 20%;

3. If the construction area of Xing Tao is more than 90 square meters, the down payment ratio of the loan may not be less than 30%;

4. Employees who own 1 apartment and have settled the corresponding housing loans and apply for housing provident fund loans again to improve their living conditions will be regarded as the first suite, and the policy of floating the original loan interest rate by 10% will be cancelled;

Loan interest rate:

Repayment method of equal principal and interest repayment: add up the total principal and interest of the mortgage loan, and then share it equally every month during the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

Average capital repayment method: the lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

2. How much can Zhoukou City Provident Fund 6000 loan?

According to Zhoukou City's housing provident fund loan policy, the maximum loan for the 6,000 yuan provident fund is 300,000 yuan, and the specific loan amount needs to be determined according to the applicant's personal situation and credit situation.

3. Can Shenzhen's housing provident fund buy a house in my hometown of 9 Zhoukou?

I can't use it I bought two years' rental provident fund in Shenzhen, work certificate and running water certificate, and borrowed money to buy a house in Zhoukou. Nothing can be used. Is Zhoukou using foreign policy and doing nothing?

What are the procedures and conditions for housing provident fund loans in Zhoukou City, Henan Province? ...

Anyone who has continuously paid the housing provident fund for more than 6 months or accumulated the provident fund for more than 1 year and is still paying the provident fund is eligible to apply.

Customers who conduct the preliminary examination of provident fund loans need to calculate the number of loan sets on a family basis. Loans of more than 90 square meters, the loan ratio is 70%; Within 90 square meters, the loan ratio is 80%; The second set is 50%; Cancel the third loan.

Commercial banks are strict with the second suite. The interest rate of 50% down payment loan is 1. 1 times, and the third home loan is cancelled. After the benchmark interest rate is 1. 1 times, the interest rate of the second home commercial loan is 6.53%, while the provident fund loan is still 3.87%, with a difference of 2.66 percentage points.

Regarding the housing provident fund loans of major banks, you can go to the online websites of several banks. Their website has loan information of major banks and interest rates. Personally, I think it is quite practical.