(a) must pay the housing provident fund in full and subscribe for housing bonds;
(2) On-the-job employees and retired employees with permanent residence in cities and towns of this Municipality;
(3) Holding a certificate issued by the employee's unit that family members have a fixed income;
(4) The borrower purchases, builds and repairs the self-occupied house, and has self-raised funds equivalent to more than 50% of the purchase, construction and repair expenses of the house;
(five) the purchase, construction and repair of owner-occupied housing conforms to the provisions of the housing reform policy, and there are legal purchase contracts, repair building approvals and other relevant certificates;
(six) willing to use the securities designated or recognized by the owner-occupied housing or housing fund management center as a guarantee;
(seven) units or individuals that have the ability to repay the principal and interest of loans;
Other conditions stipulated by the housing fund management center. Chapter III Loan Procedures Article 6 The borrower shall submit the following materials to the Housing Provident Fund Management Center:
(a) the borrower's household registration book, identity card, work permit and the certificate issued by the borrower's unit whether the borrower's family has a stable income;
(two) proof of payment of provident fund and purchase of housing bonds;
(three) the purchase of housing, should provide the purchase contract and the seller to fill out the "loan application notice";
(four) for self-built houses, the documents approved by the urban planning department and the relevant certification materials issued by the land management department, as well as the building appraisal materials provided by the evaluation unit;
(five) renovation, overhaul of housing, should provide the documents approved by the city planning department and the original housing ownership certificate, as well as the evaluation unit to provide reconstruction, evaluation materials;
(6) Proof of the implementation of self-raised funds;
(seven) the guarantor qualification certificate;
(8) Proof of mortgaged property;
(nine) other documents and materials required by the housing fund management center. Seventh individual workers in the purchase of housing loans, must hold the "loan application notice" (in quadruplicate), the purchase agreement and other related information.
Individual workers will apply to the housing fund management center for loan review when applying for repairs and housing loans. Eighth housing provident fund management center to verify and review the loan application materials, should make a formal reply to the applicant within three months. After the borrower agrees to the loan, it shall go through the following procedures:
(1) Fill in the Application for Individual Housing Loan for Employees and the Individual Housing Loan Contract for Employees;
(two) the borrower will deposit the self-raised funds into the housing savings account opened by the bank designated by the housing fund management center;
(3) The borrower goes to the insurance company designated by the housing fund management center to handle the mortgaged property insurance;
(four) the borrower shall go to the municipal notary office for notarization;
(five) the pledged securities, deposits and mortgage rights certificates shall be kept by the housing fund management center. Ninth housing fund management center shall notify the designated bank to handle the loan transfer procedures within the time limit stipulated in the contract.
For the purchase of owner-occupied housing, the bank will transfer personal deposits and housing loans to the deposit account of the selling unit.
For the repair and construction of owner-occupied housing, the housing loan will be included in the housing savings account opened by the borrower. When the borrower uses funds (including self-raised funds), it must submit a written application or proof of the use of funds, and it can only be withdrawn after being approved by the housing fund management center. Tenth housing demolition funds paid in full by the borrower, the unified housing personal property certificate shall be handed over to the housing fund management center as collateral for safekeeping. Chapter IV Loan Amount, Term, Interest Rate and Repayment Method Article 11 The loan amount shall be selected and determined by the housing fund management center according to the actual situation according to the following two calculation methods:
(1) loan amount (RMB) = (sum of total wages of the borrower and his family members) × 25 %× 12 months× loan period;
(two) the maximum loan amount is 50% of the total cost of housing purchase, construction and repair.
The above two calculation methods all take the minimum amount as the loan amount. Article 12 The loan term is 0 to 20 years. Buy a new house for no more than 20 years, and buy an old house for no more than 10 years. Article 13 The loan interest rate shall be determined according to the loan term:
The annual interest rate of 1-5-year loan is 5. 13%.
The annual interest rate of 5- 10 loan is 5.67%.
10- 15 The annual interest rate of the loan is 6.2 1%.
The annual interest rate of 15-20 years loan is 6.75%.