1, national off-site loans
Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan Province, Guiyang, Xining, Hangzhou, Yinchuan, Xiamen and Fuzhou have achieved nationwide loans from different places, that is, employees who have paid provident fund in other provinces and cities in China can apply for provident fund loans to buy houses in this 18 place. Among them, Hangzhou and Yinchuan expanded the scope of off-site loans from the province to the whole country, and Xiamen and Fuzhou were the first cities to implement off-site loans.
2. Inter-provincial loan areas
The four cities of Wuhan, Changsha, Nanchang and Nanning only aim at some cities outside the province, and implement mutual loans of housing provident funds in different places.
3, the province, the region off-site loans
Nine cities, namely Qingdao, Shenyang, Changchun, Jinan, Luoyang, Hefei (with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming and Lanzhou, have realized loans in different places in the province, that is, they can apply for provident fund loans to buy houses in other cities in these provinces.
Second, can the housing provident fund buy a house in a different place?
Can the housing provident fund buy a house in a different place? It is reported that housing provident fund can buy a house in different places and apply for housing provident fund loans in different places. From 2065438+2005 10, the loan business of provident fund in different places will be fully implemented. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.
Housing provident fund purchase conditions in different places:
1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.
Can Wuhan Provident Fund buy a house in a different place? How to use it?
Can Wuhan Provident Fund buy a house in a different place? How to use it?
The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. Next, I will sort out the Wuhan Provident Fund for you. Can I buy a house in a different place? How to use it? I hope I can help you!
First, Wuhan housing provident fund loans to buy a house in different places?
1. Employees who have paid housing provident fund in different places across the country and bought self-occupied housing in Wuhan can apply for individual housing provident fund loans from the county housing provident fund management agencies where the housing is filed.
2. Loan materials: materials required for personal housing loan for purchasing commercial housing (pre-paid housing, existing housing): the borrower's and spouse's household registration book and a copy of ID card. Proof of marital status (marriage certificate provided by the married person; Divorce certificate, voluntary divorce agreement/civil mediation/judgment provided by the divorcee). The borrower shall provide a copy of the repayment account opened in the designated bank. Personal credit report.
3, the borrower housing provident fund deposit certificate and deposit details issued by the provident fund management center. Registered commercial housing sales contract. Copy of down payment voucher. Copy of down payment bank statement. When applying for an existing housing loan, you also need to provide a copy of the borrower's housing ownership certificate and state-owned land use certificate.
Second, Wuhan housing provident fund loan purchase process?
1. The borrower applies for a housing provident fund loan with the housing provident fund deposit certificate and relevant supporting documents issued by the deposit center.
2. After accepting the employee's application for loan in different places, the management center inquires the personal credit report according to the authorization of the borrower and spouse, verifies the employee's information through the provident fund system and the loan materials provided by the employee, and reviews the borrower's application materials. If a qualified borrower fails to sign a loan contract, the management center will notify the borrower within five working days and indicate the reasons for the failure in the provident fund system.
3. The loan applicant shall apply for real estate mortgage (pre-registration) to the housing management department with the purchased house as mortgage. For eligible borrowers who have completed (pre-) mortgage registration procedures, the entrusted bank shall provide a list of transferable funds to the provident fund management center.
;
What are the loan conditions of Wuhan off-site provident fund?
Legal analysis: The loan conditions of Wuhan off-site provident fund are as follows,
1. The borrower and spouse hold legal identity cards and have full capacity for civil conduct;
2. The borrower and spouse have stable income and the ability to repay the principal and interest;
3. The borrower and spouse have good credit;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. No provident fund loans have been used in the deposit city and Wuhan, or the first housing provident fund loan has been settled;
6. Agree to mortgage the purchased house.
Handling methods of provident fund and commercial portfolio loans,
Apply to the city housing fund management center for individual housing portfolio loans.
1. Provide corresponding loan information according to the requirements of the bank.
2. After the loan is approved, the municipal housing fund management center shall fill in the Notice of Entrusted Investigation.
4. The lender fills in the Application Form for Individual Housing Loan.
5. Sign a portfolio loan contract.
6. Issuing housing loans.
7. Repay the principal and interest of the entrusted loan for policy personal housing guarantee and the loan for commercial personal housing guarantee.
Provident fund is a measure to promote the reform of housing system in China, which is shared by the state, the collective and the individual to solve the housing difficulties of employees. 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 and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC) stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
What are the loan conditions of Wuhan off-site provident fund?
The loan conditions of Wuhan off-site provident fund are as follows:
1. The borrower and spouse hold legal identity cards and have full capacity for civil conduct;
2. The borrower and spouse have stable income and the ability to repay the principal and interest;
3. The borrower and spouse have good credit;
4. The house purchase contract is signed within one year, and the down payment is not less than 20% of the total house purchase price;
5. No provident fund loans have been used in the deposit city and Wuhan, or the first housing provident fund loan has been settled;
6. Agree to mortgage the purchased house.
Extended data:
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Letter of credit clause
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.
Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;
When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.
The introduction of Wuhan off-site provident fund loans ends here.