1. The application conditions are as follows:
(1) Before applying for the loan, the housing accumulation fund of this city has been paid normally and continuously for six months;
(2) Have full capacity for civil liability, and have permanent residence or blue-printed residence in this city (non-agricultural);
(3) Having a stable economic income and the ability to repay the loan principal and interest;
(4) The borrower must be the owner of the large (installed) house and sign a project implementation contract with a regular decoration company;
(5) The spouse and lineal blood relatives of the loan applicant are used as the housing provident fund, and the borrower can participate in the calculation of the loan amount of the provident fund.
(6) Collateral is the owner-occupied house that the borrower has made major personal (installation) repairs and has complete personal property rights.
Two, apply for housing provident fund housing renovation need to go through the following procedures:
(1) Employees go to the bank or unit where the housing provident fund is deposited to collect and fill in the Application Form for Housing Provident Fund Withdrawal (employees who return commercial loans fill in the Application Form for Housing Provident Fund Repayment of Commercial Housing Loans, and both forms can be downloaded from the local housing provident fund website);
(2) When an employee applies to the unit for extracting the housing provident fund, the unit should carefully verify the authenticity of the reasons for the extraction, and sign an opinion on the Application Form for Extracting the Housing Provident Fund and affix the official seal of the unit (if the employee repays the commercial loan, he/she needs to go to the loan bank for confirmation);
(3) The employee shall go through the procedures of extraction and examination at the management center and its branches or bank with the Application Form for Extraction of Housing Provident Fund and related materials;
(four) the management center and its branches or the bank accepts the application for employee withdrawal, and if it agrees to withdraw after examination, it shall sign the consent opinion on the Application Form for Housing Provident Fund Withdrawal; If there is any doubt after examination, the relevant extraction certification materials shall be retained, and a decision on approval or disapproval of extraction shall be made within 3 working days, and the applicant shall be notified;
(five) after the approval of the management center and its branches or the bank, the employees shall issue the certificate of housing provident fund extraction to their units with the audited Application Form for Housing Provident Fund Extraction, and go through the extraction procedures at the bank;
(6) Employees whose withdrawal amount exceeds 6,543,800 yuan (including 6,543,800 yuan) build, renovate or overhaul their houses, and their families enjoy the minimum living guarantee for urban residents in this city. Families are particularly difficult due to serious diseases, and families are particularly difficult due to fires and earthquakes. Those who pay housing provident fund in the bank to withdraw housing provident fund for housing purchase must go to management. With the approval of the management center or its branches, with the "Housing Provident Fund Extraction Application Form" and the "Housing Provident Fund Extraction Certificate" issued by the unit, go through the extraction procedures at the bank where the account is opened.
(7) Materials to be issued: house ownership certificate and state-owned land use right certificate, provident fund payment magnetic card, full purchase invoice or receipt, household registration book, provincial certificate and marriage certificate, if it is necessary to extract the lover at the same time.
Extended information 1. Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.
2. At present, there are two kinds of home improvement loans and a credit card installment form that can be applied, as follows:
First, apply for personal credit decoration loans;
Personal consumption loan and decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by real estate mortgage;
C. credit card home improvement staging;
D, consumer finance company loans In addition to the traditional bank loans, loans from consumer finance companies are also one of the options.
3. Application conditions:
A, with local permanent residence and valid identity documents.
B, have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.
C the borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.
D. For newly purchased houses, provide information such as house sales contracts and purchase invoices (for original houses, provide materials such as house ownership certificates).
E. other conditions stipulated by the cooperation organization.
4. The results of the "Household Consumption Survey of Post-80s Generation" initiated by the All-China Federation of Industry and Commerce, Sohu Home and the mainstream media in Beijing show that nearly half of post-80s white-collar workers choose 30,000 to 50,000 files for decoration under the pressure of rising house prices, and the cost of home improvement is quite different from that of millions of houses. Among them, 93% buyers are willing to make installment loans for home improvement, more than 60% consumers are willing to take credit card installment loans, and more than 80% consumers hope that loans can be interest-free. It is not difficult to see that, driven by the new consumption pattern, solving the decoration problem through financial tools has become a popular way for buyers.
References: (Baidu Encyclopedia: Decoration Loan)