What is housing accumulation fund?
Housing accumulation fund 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, social organizations and their employees.
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas;
2. Only on-the-job employees can establish the housing accumulation fund system. Urban unemployed residents and retired workers do not implement the housing provident fund system;
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's personal deposit is withheld by the unit, it will be deposited into the personal account of housing provident fund together with the unit's deposit;
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid without interruption during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund;
5. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.
Provident Fund loan process
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center (hereinafter referred to as "the Center") evaluates the transaction house, determines the loan amount, and determines the loan amount and the value of the house (collateral) to be traded by both parties. Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Confirmation Form for Pre-examination of the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.
2. The employee who puts forward the loan demand and intends to apply for the second-hand housing loan shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods are divided into installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.
4. Sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, receive the house evaluation report, sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities and self-raised fund delivery. Both parties to the transaction can make delivery under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.
5. Fill in the Application Form for Housing Provident Fund Loan and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required). If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.
6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.
7. Review, approval and review.
8, signed a loan contract and other procedures.
What is the housing provident fund and the related contents of 20 17 provident fund loan process?