Legal analysis: The loan conditions of Wuhan off-site provident fund are as follows,
1. The borrower and spouse hold legal identity cards and have full capacity for civil conduct;
2. The borrower and spouse have stable income and the ability to repay the principal and interest;
3. The borrower and spouse have good credit;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. No provident fund loans have been used in the deposit city and Wuhan, or the first housing provident fund loan has been settled;
6. Agree to mortgage the purchased house.
Handling methods of provident fund and commercial portfolio loans,
Apply to the city housing fund management center for individual housing portfolio loans.
1. Provide corresponding loan information according to the requirements of the bank.
2. After the loan is approved, the municipal housing fund management center shall fill in the Notice of Entrusted Investigation.
4. The lender fills in the Application Form for Individual Housing Loan.
5. Sign a portfolio loan contract.
6. Issuance of housing loans.
7. Repay the principal and interest of the entrusted loan for policy personal housing guarantee and the loan for commercial personal housing guarantee.
Provident fund is a measure to promote the reform of housing system in China, which is shared by the state, the collective and the individual to solve the housing difficulties of employees. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC) stipulates that 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.
What are the application conditions for Wuhan off-site provident fund loans? Get these ready!
Now the traffic is very convenient, and people can go to other places to work, study and live in various ways. If they want to apply for a loan in a different place, they must know the relevant application conditions in advance, otherwise they will be easily rejected. Today, taking Wuhan as an example, I will introduce the relevant contents of off-site loans.
I. Application conditions
1. The borrower and spouse hold legal identity documents and have full capacity for civil conduct;
2. The borrower and spouse have a stable source of income and the ability to repay the principal and interest on time;
3. The borrower and spouse have good credit and meet the credit review standards of individual housing provident fund loans of Wuhan Provident Fund Center;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. The unused housing provident fund personal housing loan or the first housing provident fund personal housing loan in the deposit city and this city has been settled, and there is no situation that affects the loan repayment in different places;
6. Agree to mortgage the purchased house;
Second, the application materials
1. Application Form for Housing Provident Fund Loan in Different Places (in duplicate, which can be downloaded from official website, Wuhan Provident Fund Center);
2. Certificate of deposit and use of housing provident fund for employees with loans from different places issued by the city center (hereinafter referred to as "deposit certificate") and details of deposit in the past six months;
3. The original and photocopy of the ID card and residence booklet of the borrower and spouse;
4. Proof of the borrower's marital relationship or marital status (marriage certificate, divorce certificate, etc.). ). Unmarried people need to fill out an unmarried statement;
5. Proof of the number of houses issued by the deposit city and the housing management department of this Municipality;
6. The original and photocopy of the house purchase contract, and the original and photocopy of the down payment receipt of not less than 20% of the total house price;
7, the city's housing provident fund personal housing loans need to submit other information.
Third, the handling process
Loan consultation → application submission → loan acceptance → provident fund center audit → bank preliminary examination → bank audit → contract signing → loan guarantee → loan issuance.
What are the loan conditions of Wuhan off-site provident fund?
The loan conditions of Wuhan off-site provident fund are as follows:
1. The borrower and spouse hold legal identity cards and have full capacity for civil conduct;
2. The borrower and spouse have stable income and the ability to repay the principal and interest;
3. The borrower and spouse have good credit;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. No provident fund loans have been used in the deposit city and Wuhan, or the first housing provident fund loan has been settled;
6. Agree to mortgage the purchased house.
Extended data:
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Letter of credit clause
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.
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.
Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;
When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.