Provident fund loans do not need a guarantor, and now commercial loans do not need it.

2. Do you need a guarantor for provident fund loans?

The guarantor is a guarantee provided to the bank when the lender's qualification is not particularly sufficient, and the guarantor will guarantee that he will repay the loan on time. Buying a house loan, many buyers will choose provident fund loans, so do you want a guarantor for provident fund loans? Provident fund loans do not need a guarantor. Provident fund loans do not have this guarantee link. Unlike commercial loans, the guarantor of the provident fund is the provident fund management center, and the bank will ask the provident fund management center for arrears. In other words, there is no need for a guarantor to apply for a provident fund loan. As long as the withdrawal conditions are met, you can apply to the provident fund center and make a notice of not allowing or not allowing the loan within 15 days.

Provident fund loan conditions 1, stable income, good credit, and the ability to repay the loan principal and interest. 2, with the purchase, construction, renovation, overhaul of self-occupied ordinary housing related procedures, documents and the provisions of the proportion of self financing. 3. Provide assets that meet the legal requirements and are recognized by the management center as collateral. 4. The time to pay the housing provident fund in full and on time and the time to set up an individual housing provident fund account have reached the prescribed time limit. The general borrower must set up an individual housing provident fund account for 90 days, counting forward from the date of applying for provident fund loans, and pay the housing provident fund on time, in full and continuously for more than 3 months. 5. Meet other conditions stipulated by laws, regulations and rules. The application for provident fund loan will not be accepted. If the borrower and his/her spouse (hereinafter referred to as the borrower and his/her spouse) who applied for provident fund loan are listed in the list of those who have broken their trust in China Executive Information Open Network, and their personal credit report is in any of the following circumstances, their application for provident fund loan will not be accepted: 1. When applying for provident fund loans, there are "bad debts, tax arrears, asset disposal, administrative punishment, account freezing and guarantor compensation". 2. The overdue debts of loans and credit cards have not been paid off; 3. The repayment records of loans (except national student loans), credit cards and quasi-credit cards in the last 24 months show that the overdue (overdraft) has reached three consecutive periods or more, or the accumulated overdue (overdraft) has reached six times or more; 4. The repayment records of loans (except national student loans), credit cards and quasi-credit cards in the last 60 months show that the cumulative overdue (overdraft) times have reached 12 or more. According to the regulations on credit evaluation of housing provident fund in our city, borrowers and spouses who are rated as B and C will not accept their applications for provident fund loans.

3. Do you still need a guarantor for housing provident fund loans?

Can't apply for provident fund loans. Provident fund loans should follow the principle of territoriality. You can only use your provident fund loan if you buy a house paid by the provident fund, otherwise you can only apply for provident fund transfer.

Provident fund loans do not need a guarantor, and the loan interest is 3.33 for less than 5 years and 3.87 for more than 5 years. Go to the local provident fund center for consultation.

4. Do you need a guarantor for off-site provident fund loans?

Do you need a guarantor for off-site provident fund loans

Gu Mingsi, the housing accumulation fund, makes the provisions of relevant laws in our country meet the requirements for renting, decorating and building houses. All apply. I have sorted out the relevant contents of different places for you, hoping to help you!

Applying for housing provident fund loans requires unit guarantee.

Where the unit is the guarantor, the guarantor must have sufficient ability to repay all the principal and interest of the loan and provide joint liability guarantee. The single-gold entrusted loan contract is stamped with the official seal of the unit and signed or sealed by the legal representative.

With a third natural person as the guarantor, the guarantor must have a permanent residence in this city and continue to pay the housing provident fund normally. The guarantor shall provide personal salary certificate and present his/her ID card to the provident fund center for face-to-face signing.

First, the burden of provident fund loans

1, the protection fee is equivalent to buying an insurance policy. If you encounter any problems in the future and can't repay the loan, the guarantee company will help you repay it. For provident fund loans, this "insurance" country is

2. Provident fund loans do not need to purchase home insurance through the guarantee center. The guarantee service fee includes mortgage registration fee, entrusted notarization fee, etc., with a minimum of 800 yuan. In addition, the borrower also needs to implement the unified charging standard paid by the appraisal company.

Second, provident fund.

(1) The loan collateral is the house purchased by the lender.

Housing loan guarantee, generally by the lender to buy the house as collateral, (even if you pay the provident fund loan guarantee, the guarantee company also needs you to provide counter-guarantee, usually you buy the house), so in the final analysis, it is still worth it.

(two) commercial loans can choose loan guarantee and insurance voluntarily.

Provident fund loans: banks must legislate to ensure that mortgage houses give priority to provident fund loans and reduce the risk of provident fund loans.

(3) The original intention of provident fund loans.

Solve the housing problem of residents, but in fact the 30-year guarantee fee of 300,000 yuan is 1629 yuan. If the house area is 1, the selling price will increase by 46.29 yuan, and the house area is 50 square meters, increasing by 9.

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