After handling the housing provident fund loan, immediately seal the account to stop paying the housing provident fund, and the housing provident fund management center shall order it to pay back the outstanding housing provident fund, and pay it in full and on a normal monthly basis during the loan period; Refused to pay, to recover the housing provident fund loans or the implementation of commercial loan interest rates.
Individual housing provident fund loan conditions
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly collects the loan principal and interest from the account every month;
Extended data
Matters needing attention in provident fund loans
1. Sum of monthly salary income of the borrower and * * the same repayment person × 12 (month )× 40 %× loan period (monthly salary income = monthly contribution of provident fund ÷ payment rate).
2. The purchase of the first self-occupied housing with a construction area of less than 90 square meters shall not exceed 80% of the total purchase price; The purchase of the first self-occupied housing with a construction area of more than 90 square meters shall not exceed 70% of the total purchase price; The purchase of the second self-occupied house shall not exceed 50% of the total purchase price, and the interest rate shall be 1. 1 times the benchmark interest rate.
3. The total price of second-hand houses is the lowest value of transaction and evaluation price.
4. The repayment ability coefficient is tentatively set at 0.4.
5. The Borrower and * * * co-borrower are only husband and wife. Unmarried children may consider choosing one of their parents as * * * co-borrower.
6. When applying for a second loan, you must invite all the previous loans.
Matters needing attention in handling housing provident fund loans in different places
1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
4. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
5. In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
Refer to Baidu Encyclopedia-Provident Fund
Refer to Baidu Encyclopedia-Provident Fund Loan