Last week, the 20th meeting of Yinchuan Housing Provident Fund Management Committee deliberated and adopted the Opinions on Further Expanding the Use of Housing Provident Fund to Promote Housing Consumption (hereinafter referred to as the Opinions), in which the introduction of eight new policies aroused widespread concern in the society, and many citizens called Yinchuan Housing Provident Fund Management Center overnight to inquire about related issues. It is reported that on April 19, the implementation rules of the Opinions were promulgated and will be implemented from now on. Employees who need to handle business-to-business business and portfolio loan business need to bring all materials to Yinchuan Housing Provident Fund Management Center.
Loans in different places require personal credit reports from both husband and wife.
In the Opinions, it is proposed to expand the loan business of Yinchuan's provident fund in different places to the whole country, which means that all employees who normally pay the housing provident fund in the housing provident fund management center other than Yinchuan's housing provident fund management center can apply for personal housing loans from Yinchuan's housing provident fund management center when they buy their own houses in Yinchuan.
Among them, for the loan object, it is required to pay the housing provident fund in full and on time for more than 6 months in the workplace, and the payment ratio is not less than 5%, with the purchase contract or agreement, down payment invoice or special receipt filed by the housing property management department. When applying for a loan, the lender shall provide the provident fund deposit certificate and the provident fund loan credit certificate issued by the provident fund management center of the borrower's unit, as well as the couple's personal credit report, unit income certificate, local housing provident fund deposit details and other materials.
Only two banks can handle portfolio loans.
Among the new policies issued by this opinion, the most striking thing is to carry out the combined loan business of provident fund and commercial loans. It is clearly stipulated in the detailed rules for implementation that the insufficient provident fund loans for portfolio loan business shall be supplemented by personal housing commercial loans from Limin Sub-branch of Ningxia Bank and Dongcheng Sub-branch of China Construction Bank, and the sum of provident fund loans and commercial loans shall not exceed 75% of the total housing price. In addition to the above two banks, other banks are currently unable to undertake portfolio loan business. At the same time, the implementation rules also stipulate that the loan period shall not exceed 30 years, but the sum of the loan period plus the borrower's age shall not exceed 5 years after the statutory retirement age, and the loan period in different places shall not exceed the statutory retirement age. Housing provident fund loans and commercial loans in portfolio loans shall be implemented at the corresponding interest rates stipulated by the People's Bank of China. The housing provident fund loan contract and the commercial loan contract in the portfolio loan are signed by the entrusted bank respectively.
Second-hand houses are included in the preferential scope.
In the Opinions, the policy of transferring commercial loans to provident fund loans has also included second-hand houses in the preferential scope. Previously, second-hand houses could not handle business-to-business business.
It is clear in the Opinions that employees who have applied for personal commercial housing loans for second-hand houses can apply for commercial loans to housing provident fund loans if they have paid the provident fund in Yinchuan Housing Provident Fund Management Center for more than 6 months. Borrowers who convert personal commercial loans into provident fund loans must be consistent with the original borrowers and comply with the relevant provisions of the housing provident fund personal housing loan policy. Before the loan is settled, it must be pre-examined at Yinchuan Housing Provident Fund Management Center. After the pre-trial is passed, the borrower may apply for a housing provident fund loan within one month after the balance of the original commercial loan is settled in advance, and the loan amount shall not exceed the balance of the original commercial loan and the remaining term.
When a second-hand house business turns into a public loan, the lender needs to provide a loan settlement notice, repayment documents to settle the balance of commercial loans, loan contracts and loan vouchers, as well as house ownership certificate, deed tax certificate, house ownership file certificate, Yinchuan stock house sales contract (sales contract), etc.
Opinions on further expanding the use of housing provident fund to promote housing consumption
Yinchuan Housing Provident Fund Management Center reported the Opinions on Further Expanding the Use of Housing Provident Fund to Promote Housing Consumption to the Administrative Committee. Approved by the 20th meeting of Yinchuan Housing Provident Fund Management Committee, we hereby put forward specific implementation opinions, please follow them carefully:
First, comprehensively carry out the loan business of provident fund in different places
Employees who have opened a housing provident fund account in a housing provident fund management center other than Yinchuan Housing Provident Fund Management Center for six months, and paid the provident fund in full and in time for more than six months, with a contribution ratio of not less than 5%, can apply for a housing provident fund loan in different places from Yinchuan Housing Provident Fund Management Center and its sub-centers and offices, and the borrower (and spouse) can provide a certificate of deposit and use of the provident fund and a credit certificate of the provident fund loan issued by the workplace. Handling off-site loan business is not restricted by household registration. The loan shall be implemented in accordance with the Measures for the Administration of Housing Provident Fund Loans in Different Places of Yinchuan Housing Provident Fund Management Center, and the loan approval shall be implemented in accordance with the new loan approval form.
Two, increase the maximum amount of personal housing provident fund loans.
1. The maximum loan amount will be increased from 400,000 yuan to 550,000 yuan if a single employee or one of the husband and wife normally pays the housing provident fund;
2, the husband and wife in Yinchuan center normal deposit housing provident fund (including the spouse in Ningxia normal deposit) workers, the maximum loan amount is 500 thousand yuan to 700 thousand yuan;
3. The maximum loan amount for second-hand houses is increased from 50% to 60% of the total house price;
4. The maximum amount of off-site loan is 550,000 yuan (including the deposit made by the spouse in Yinchuan Center).
Third, reduce the down payment ratio of loans and increase the loan amount and proportion.
1. If housing provident fund loans are used, the minimum down payment ratio will be adjusted to 20% of the total housing price;
2. The amount of provident fund loan is adjusted to 20 times of the normal deposit balance of the person (including spouse);
3. The maximum proportion of provident fund loans is adjusted to 80% of the total house price.
Four, second-hand housing commercial housing loans into housing provident fund loan business.
Employees who have applied for personal commercial housing loans for second-hand houses can apply for commercial loans to housing provident fund loans if they have paid the provident fund in Yinchuan Housing Provident Fund Management Center for more than 6 months.
Borrowers who convert personal commercial loans into provident fund loans must be consistent with the original borrowers and comply with the relevant provisions of the housing provident fund personal housing loan policy. Before the loan is settled, it must be pre-examined at Yinchuan Housing Provident Fund Management Center. After the pre-trial is passed, the borrower may apply for a housing provident fund loan within one month after the balance of the original commercial loan is settled in advance, and the loan amount shall not exceed the balance of the original commercial loan and the remaining term.
Second-hand housing personal loan to public loan requirements:
1, loan settlement notice, commercial loan balance settlement repayment form; (The application is valid for one month from the date of loan settlement)
2 loan contract and loan certificate (loan certificate);
3. Property ownership certificate, deed tax certificate, house ownership file certificate, and Yinchuan stock house sales contract (sales contract).
Five, to carry out the provident fund and commercial loan portfolio loan business.
When employees who have normally paid the Yinchuan housing provident fund for more than 6 months purchase owner-occupied housing, the insufficient provident fund loans will be supplemented by personal housing commercial loans from Limin Sub-branch of Ningxia Bank and Dongcheng Sub-branch of China Construction Bank, and the sum of the provident fund loans and commercial loans will not exceed 75% of the total housing price. The portfolio loan business shall be implemented in accordance with the Measures for the Administration of Individual Housing Portfolio Loan of Yinchuan Housing Provident Fund Management Center.
Six, relax the use period of the purchase contract.
If employees purchase, build, renovate or overhaul their own houses without using housing provident fund loans, the validity period of the purchase contract (the purchase of new houses is subject to the registration date of the housing management department, and the purchase of second-hand houses, construction, renovation and overhaul of their own houses is subject to the establishment date of the agreement) is extended from three years to five years, and the housing provident fund of themselves and their spouses can be withdrawn once a year, and the housing of parents, children and spouses can also be applied for by the proof of immediate family members.
Specific operation:
1. If you buy a new house (without a real estate license), you must provide the original and a copy of the house purchase contract. When withdrawing the provident fund, the original and copy of the contract must be stamped with a strip chapter with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer", and the contents must be filled in;
2. When buying a new house (the real estate license has been processed), a copy of the house ownership certificate and the house purchase contract must be provided. When withdrawing the provident fund, a strip stamp with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer" must be stamped on the copy of the contract, and its contents must be filled in;
3. When buying a second-hand house, building, renovating or overhauling a self-occupied house, it is necessary to affix a strip chapter with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer" on the tax payment certificate and the house purchase agreement, and fill in its contents.
The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Seven, employees apply for provident fund loans, allowing the withdrawal of excess amount in the account.
1. Cancel the policy that housing provident fund loans cannot be used within six months after withdrawal.
2. When employees apply for provident fund loans within two years after signing the contract for purchasing owner-occupied housing, when the balance in the employee's and spouse's provident fund account reaches multiple of the amount of the loan applied for, the account balance of the borrower and spouse can be used to pay the house purchase price. The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Eight, expand the employee housing provident fund loan extraction business.
Employees who have applied for housing provident fund loans, and have no provident fund loans overdue within 6 months to 24 months after normal repayment, and the provident fund in the employee's account is remitted continuously, in full and in time, can only withdraw the balance in the borrower's and spouse's account once for housing renovation or independent repayment, but the withdrawal amount shall not exceed the loan balance. The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Nine, the Yinchuan housing provident fund management center is responsible for the interpretation of these measures, and shall be implemented as of the date of promulgation.
What procedures do you need to go through after the Yinchuan provident fund loan is paid off?
What procedures do you need to go through after the Yinchuan provident fund loan is paid off?
What procedures do you need to go through after the Yinchuan provident fund loan is paid off? Generally, relevant housing loan contracts stipulate that the borrower shall not prepay in the first year, and prepayment must be made after the loan is paid off 1 year.
What procedures do you need to go through after the Yinchuan provident fund loan is paid off? 1
Generally speaking, after the provident fund mortgage is paid off, you will receive the loan settlement certificate issued by the loan issuing bank, and then go to the local provident fund management center to unfreeze the provident fund account with the relevant loan settlement certificate, ID card, repayment card and loan contract. You may also need to go to the real estate registration department to go through the mortgage registration cancellation procedures with the loan settlement certificate.
However, it should be noted that the time for the provident fund management center to handle the loan settlement procedures is generally between 8:30- 1 1:30 on the working day of each month, and it is also noted that the monthly deduction date and the first working day after the deduction date cannot be handled.
Finally, you will receive a certificate of provident fund settlement after completing the loan settlement and account cancellation procedures.
How to handle the prepayment of mortgage?
1. If you repay the mortgage in advance, you need to make an appointment by phone. At the same time, carefully check the bank's prepayment requirements and pay attention to whether it is necessary to prepare liquidated damages for prepayment. Fill in the application form. After receiving the notice from the other party, go to the outlet to get the application form and fill it out. At the same time, the required materials will be prepared together and submitted to the Agricultural Bank for approval.
2. Wait for the call. After the bank approves, the bank will call. Go through the repayment procedures. The repayment person carries the relevant documents to the bank to handle the prepayment procedures. Make an advance payment Go to the counter to repay the money after the formalities are completed, and some of them can be directly called to the card.
3. Handling process: make an appointment by telephone and make an appointment for the prepaid time and place. Prepare the materials, and prepare all the relevant materials mentioned above. In case of repayment, go to the bank for prepayment at the agreed time and place. Save money, and when the formalities are completed, deposit the prepayment procedures into the repayment account. It's done.
4. Generally, the relevant housing loan contract stipulates that the borrower shall not prepay in the first year, and prepayment must be made after the loan 1 year. The process of prepayment: you need to submit an application to the bank loan department first, and then the bank will approve it. Deposit the relevant amount to be repaid into the contribution account (the relevant balance of the loan needs to be inquired by the bank).
After notifying the Agricultural Bank of China to collect the loan, the borrower can know the relevant repayment vouchers, IOUs and related real estate warrants, and the bank can only return them to the customer after canceling the mortgage registration.
What procedures do you need to go through after the Yinchuan provident fund loan is paid off? 2
Loan process
1. Employees shall go to the Housing Provident Fund Management Center to fill out the Letter of Approval for Yinchuan Housing Provident Fund Loan with the above procedures.
2, provident fund management center audit
3. Sign the loan contract and mortgage contract with the entrusted bank of housing provident fund loan.
4. Go to Yinchuan Housing Property Right Transaction Management Center for real estate loan mortgage registration.
5, to the provident fund management center to issue a loan notice (unmarried, divorced, agricultural registered permanent residence, * * property rights must be notarized in Yinchuan Notary Office).
6. The entrusted bank issues loans.
Loan materials
1. Valid identification certificates such as ID card and military officer's card of husband and wife and valid residence certificate such as household registration book (household registration in Ningxia);
2. Proof of marital status (single, single certificate issued by the civil affairs department, divorce certificate or civil mediation book or judgment);
3. Husband and wife personal credit report (valid for one month);
4, the lender unit in the "Yinchuan housing provident fund loan approval form" to fill in the lender's fixed income and build official seal (valid for one month);
6. When employees who have paid housing provident fund in different places in Ningxia buy houses in Yinchuan and apply for provident fund loans, they must issue a certificate of employee housing provident fund deposit and a detailed daily report of housing loans in different places, a credit certificate and an employee provident fund withdrawal agreement at the local provident fund management center; (valid for one month)
7, according to different situations, also need to provide the corresponding materials.
Letter of credit clause
1. Loan eligibility: the applicant and his unit have paid the housing provident fund on time, in full and continuously for more than six months, and there has been no suspension or default, and the payment ratio shall not be less than 5%;
2, with the purchase of housing contracts or agreements, construction, renovation, overhaul of housing must hold the relevant approval documents approved by the planning, land and other departments;
3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan;
4, with the purchase of housing more than 25% of the total value of its own funds;
5. The completion date of the purchased second-hand house shall not exceed 20 years.
What procedures do you need to go through after the Yinchuan provident fund loan is paid off?
General lending time of provident fund loans:
For provident fund loans (without reconsideration), 7 yuan is required for approval after submission of materials.
After approval, how long does it usually take to lend money? After approval, a transfer transaction is required, and the loan will be released about 7~ 10 days after the transfer transaction is completed.
Real estate with bank loans is bought and sold through fund supervision. Can provident fund loans be directly credited to the fund supervision account after approval? If yes, how many days will it take to release the loan after approval? Regardless of whether there is a loan in the original house, the loan is first credited to the fund supervision account. Lend money about 3 days after the transfer formalities are completed.
Housing provident fund loans should be handled according to the following procedures:
(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.
(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.
(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.
Special reminder: when buying a house, the borrower can go to the bank to calculate the loan amount and monthly repayment amount according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.
Suppose the customer withdraws the provident fund 15000 yuan once a year, and the monthly repayment amount of the provident fund loan is 1500 yuan, and the repayment amount of the commercial loan is 1000 yuan. In terms of repayment method, you can choose "balance mortgage method", that is, the extracted provident fund will first repay the principal and interest of the housing provident fund loan and commercial loan in the current month, and the balance of12,500 yuan can be used to repay the commercial housing loan in one lump sum.
After "repaying the loan", the borrower can choose to shorten the original repayment period, or keep the repayment period unchanged and reduce the monthly repayment amount. However, at present, commercial banks have certain restrictions on the number of prepayments for customers.
If the customer chooses the repayment method of "matching principal and interest" and the monthly repayment amount remains unchanged at 2,500 yuan, the withdrawn provident fund15,000 yuan will be deducted continuously at 2,500 yuan per month according to the original deduction method. When the balance is insufficient, the borrower shall timely inject the full amount into the bank card for repayment. Customers can choose the above two repayment methods according to their actual situation.
How to handle the second-hand housing provident fund loan in Yinchuan?
Yinchuan second-hand housing provident fund mortgage loan is divided into seven steps, and the specific process is as follows:
1. The borrower consults in the housing provident fund center and gets the application form: the buyer and seller and their spouses (unmarried or divorced) pre-register in the city housing provident fund center, and get the provident fund loan application form in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.
Two, the borrower to submit the following loan information to the municipal capital center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )
Three. Acceptance and approval of housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants, and approves and determines the loan amount and term.
Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction.
Verb (abbreviation of verb) sign a contract: the borrower presents the transaction transfer certificate and deed tax payment invoice (original and photocopy) to the city housing provident fund center, and the city housing provident fund center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license.
7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Can Wuzhong's provident fund buy a house in Yinchuan?
Hello! 1, in fact, it is possible, and this situation belongs to the provident fund loan in different places. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
2, the city provident fund center to accept the employee loan business consulting, and one-time inform the loan required audit materials;
3. Employees themselves or their clients apply to the municipal provident fund deposit center, which verifies the loans paid by employees according to their applications, and issues certificates of housing provident fund deposit and use for employees who have never used housing provident fund or whose first housing provident fund loans have been settled.
What are the loan conditions and requirements of Yinchuan provident fund?
Legal analysis: the borrower applying for Yinchuan portfolio loan must meet the conditions of both provident fund loan and commercial housing loan.
Yinchuan housing provident fund loan conditions are as follows:
1. Loan eligibility: the applicant and his unit have paid the housing provident fund on time, in full and continuously for more than six months, and there has been no suspension or default, and the payment ratio shall not be less than 5%;
2, with the purchase of housing contracts or agreements, construction, renovation, overhaul of housing must hold the relevant approval documents approved by the planning, land and other departments;
3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan;
4, the first use of housing provident fund loans to buy first-hand housing must have proof that its own funds exceed 20% of the total purchase and construction value, and other circumstances must have proof that its own funds exceed 25% of the total purchase and construction value;
5. The completion date of purchasing second-hand houses shall not exceed 20 years.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations 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, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
This concludes the introduction of Yinchuan provident fund loan process and Yinchuan provident fund loan process. I wonder if you found the information you need from it?