1, Wuhan provident fund loan conditions, can I borrow provident fund?
Employees who have paid the housing provident fund in full for 6 months or more in Wuhan can apply for provident fund loans or portfolio loans when purchasing their own houses. The purchase behavior needs to occur within one year, the ownership of the purchased house is clear, the procedures are legal, and there is no legal dispute. When purchasing a stock house (second-hand house), the completion period of the house should be within 30 years. The purchase of hotel-style apartments, apartment-style hotels and other housing with investment as the main purpose does not accept housing provident fund loans.
2. How to calculate the loan amount of Wuhan Provident Fund? How much can Wuhan provident fund borrow?
According to the current loan guide of Wuhan Provident Fund Management Center, the first suite can borrow 500,000 yuan. However, due to the limitation of the balance of individual provident fund account and the proportion of deposit, the loan for ordinary young people cannot exceed 500 thousand. How to calculate your own provident fund loan amount?
Calculation formula of loan amount:
① Not higher than the loan amount determined according to the loan repayment ability;
Loan amount = (sum of the borrower's monthly provident fund contributions/unit and individual ratio+spouse's monthly provident fund contributions/sum of unit and individual ratio)? 35%? 12 months? Term of the loan;
② Not higher than the loan amount comprehensively determined according to the deposit time and balance of the provident fund:
Loan amount = (balance of borrower's provident fund deposit+balance of spouse's provident fund deposit)? Twenty times? Time coefficient of deposit. Provident fund deposit account must be a normal deposit account. The deposit time coefficient is shown in the following table:
For example:
Mr. Wang, single, with no house and no loan, wants to buy a house with a total price of 1 10,000 yuan. The balance of personal provident fund account is 1 10,000 yuan, which has been deposited for 26 months. I am 30 years old. The monthly provident fund is deposited in 400 yuan (the contribution ratio of companies and individuals is 16%).
According to the first calculation method,
Mr. Wang's provident fund loan amount: 400? 16%? 35%? 12? 30 = 365438+500,000 yuan
According to the second calculation method,
The loanable amount of Mr. Wang's provident fund is:
10000? 20? 1 = 200,000
The loan amount of Mr. Wang is the lower of ① and ②, so the loan amount is 200,000 yuan. This is the case with a single loan to buy a house. If the husband and wife jointly borrow money, the amount will be much higher.
3. How many years does Wuhan Provident Fund have a high-energy loan?
The loan period of first-hand housing provident fund is 30 years, and the loan period of second-hand housing provident fund is 20 years. It is also related to the age of the main lender and the age of the house purchased. In principle, if the principal lender is male, the age plus loan period should be less than 65; The main lender is female, and the age plus loan period should be less than 60; In addition, the sum of the purchase period plus the loan period should be less than 40.
4. How to handle the Wuhan Provident Fund loan? What are the procedures for handling Wuhan provident fund?
The process of purchasing new houses and second-hand houses with Wuhan provident fund loans is different.
If you buy a new house, the main process is:
(1) Consult the trustee bank of the provident fund management center and obtain the Folder of Personal Housing Provident Fund Loan for First-hand Housing.
② Submission materials: borrower's identity certificate, marriage certificate, down payment certificate, etc.
③ Face-to-face signing by the bank: the entrusted bank interviews the loan applicant and reviews the application materials submitted by him. Confirm the loan amount, term, interest rate and repayment method.
(4) Contract signing: After the first trial of the loan is passed, the entrusted bank will sign the loan (mortgage) contract face to face with the loan applicant and the house buyer, and fill in the relevant loan materials such as real estate mortgage registration.
⑤ Bank mortgage registration: With the approval of the provident fund management center, after the mortgage formalities are completed by the relevant departments, the loan funds will be directly transferred to the account of the selling unit by transfer.
If you buy a second-hand house, the main process is:
(1) Consult the entrusted bank of the provident fund management center to obtain the personal housing provident fund loan folder for second-hand houses.
② Submitted materials: identity certificates of the borrower and the seller, marriage certificates of the borrower and the seller, original real estate licenses, written documents of house ownership agreeing to someone to sell the house, sales contract of Wuhan stock house, house evaluation report, etc.
③ Face-to-face signing by the bank: the entrusted bank interviews the loan applicant and reviews the application materials submitted by him. Confirm the loan amount, term, interest rate and repayment method.
(4) Contract signing: After the first trial of the loan is passed, the entrusted bank will sign the loan (mortgage) contract face to face with the loan applicant and the house buyer, and fill in the relevant loan materials such as real estate mortgage registration.
⑤ Transaction transfer: The buyer and the seller go to the real estate bureau to handle the house? Two certificates? Transaction transfer procedure.
⑥ Bank mortgage: entrust the bank or borrower to register the house mortgage with the Real Estate Bureau and obtain the real estate license.
⑦ Bank loan: After the final approval, the management center will directly transfer the loan funds to the seller's deposit account through the entrusted bank.
5. Under what circumstances will Wuhan Provident Fund refuse to lend?
Applying for provident fund loans, the examination conditions are very strict. In any of the following circumstances, the loan will be refused:
① There are outstanding provident fund loans;
(2) buying a third or above house;
(3) Providing false audit data;
④ There is something wrong with the personal credit record.