Soldiers need to live a normal life after leaving the army. The first step in life is to buy a good house. You know, there are still many preferential policies for buying a house as a soldier, such as housing subsidies, so we need to know how to use the military housing provident fund and housing subsidies, which will also reduce the pressure on you to buy a house. In addition, we also need to know the process of handling military housing provident fund loans. Let's take a look at it next.
How to use the military housing provident fund and housing subsidies?
Servicemen cannot use the military housing provident fund, and the military housing provident fund and the railway employee provident fund are not connected with the local provident fund. Military housing provident fund can only be taken out to me at one time when retiring from active service, and housing subsidies can only be used when buying a house.
Procedures for handling military housing provident fund loans
(1) loan application. Soldiers who apply for housing provident fund loans shall apply to the financial department of the logistics (security) organ of their unit with relevant materials, and fill out the Application Form for Military Housing Provident Fund Loans in accordance with regulations.
(2) application for examination and approval. The financial department of the logistics (security) organ of the borrower's unit shall, jointly with the barracks department, review the borrower's application materials, summarize the application situation of the military housing provident fund loan on a monthly basis, together with the application form for the military housing provident fund loan, and report it directly to the financial and barracks departments of the logistics organ of the theater-level unit before 0/5 of each month according to the organizational relationship.
Theater-level logistics agencies should reply and issue a letter of approval for military housing provident fund loans before 10 the month after receiving the application form. The validity period of the reply letter is 3 months. Before the 20th day of the month of reply, the loan funds will be transferred to the relevant agreement bank, and the actual loan amount will be approved by the relevant agreement bank.
Loan repayment authorization. The financial department of the logistics (security) organ of each unit shall notify the borrower within 5 working days from the date of receiving the approval letter of the military housing provident fund loan, and sign the authorization letter of entrusted transfer repayment with it. When the borrower transfers, the financial department of the logistics (security) organ of the transferring unit shall indicate the personal loan situation in the letter of introduction for the transfer of the military individual housing fund account; According to the borrower's loan situation, the financial department of the logistics (security) organ of the transfer-out unit re-signed the entrustment transfer repayment authorization with me.
So much about how to use military housing provident fund and housing subsidies and the procedures for handling military housing provident fund loans. In fact, when buying a house, we should also understand housing provident fund, housing subsidies and other issues. You can save a lot of money by using them, so before we buy a house, you must find out the above problems.
At present, the most popular properties in Dongguan are Shipai new house-Jindi Yijing Songshan Lake, and Dongkeng new house-Hellenborg Songhu Bay. Friends who need to buy a house can pay attention to these two popular properties in Dongguan!
Dongguan is the Dongguan real estate information network, which has the most comprehensive and up-to-date real estate information in Dongguan, and professional senior real estate managers provide you with one-on-one service.
How much can I borrow from the three-phase petty officer provident fund loan?
Non-commissioned officers are a rank in our army, and the provident fund loan for non-commissioned officers refers to the housing loan service provided for non-commissioned officers on the basis of the military provident fund. According to the current policy, the loan amount of the third-phase housing provident fund for non-commissioned officers is 300,000 yuan, and the maximum loan is 70%. However, the specific loan amount needs to be calculated according to personal housing demand, basic salary, provident fund balance and other factors. It is suggested that non-commissioned officers go to the local housing provident fund management center or bank to consult the specific loan amount and make a careful decision according to their own financial situation.
202 1 The new policy quota for military provident fund to buy a house
Military provident fund loans are subject to quota management. If the local government stipulates that it is less than 400,000 yuan, the unified limit is 400,000 yuan; If the local government stipulates more than 400,000 yuan, it can be implemented according to the local government regulations. The longest loan period shall not exceed 20 years, and the sum of the loan period and the borrower's age shall not exceed 65 years. The loan interest rate is subject to the housing provident fund loan interest rate published by the People's Bank of China. When the People's Bank of China adjusted the interest rate of housing provident fund loans, the interest rate of military housing provident fund loans was also adjusted accordingly. The military housing provident fund can be used to buy commercial housing, rather than the military can get the provident fund after changing jobs, thus greatly reducing the economic burden of military families buying houses.
legal ground
"Measures for the Administration of Military Housing Provident Fund Loans" Article 6 The loan amount shall not exceed the maximum amount determined by Xiangtan Housing Provident Fund Management Committee (hereinafter referred to as the CMC) and must meet the following conditions:
(1) The maximum loan amount shall not exceed 80% of the value of the house purchased or mortgaged, and the maximum amount of housing accumulation fund paid by one party shall be 400,000, and the maximum amount of housing accumulation fund paid by both parties shall be 500,000.
(2) The loan amount shall not exceed the borrower's actual repayment ability. The monthly repayment amount of the loan generally does not exceed 50% of the monthly income of the borrower's family. The monthly income of the borrower's family is determined by referring to the deposit base of the provident fund or according to the income certificate provided by the borrower's unit.
(3) The household liabilities paid by both parties to the housing provident fund shall not exceed 700,000, and the household liabilities paid by one party shall not exceed 500,000.
Can the first-phase noncommissioned officers apply for housing provident fund loans when buying a house?
China Bank's military housing provident fund loan is a provident fund interest rate loan product that is granted to eligible military personnel under the authorization of the military.
Basic loan conditions:
1, with stable economic income and willingness and ability to repay the loan principal and interest;
2. Neither husband nor wife has applied for provident fund loans in the army or elsewhere;
3. The personal credit information system of China People's Bank is in good credit condition and has no bad credit record;
4. If both husband and wife are soldiers, only one of them can apply for military housing provident fund loans. Due to regional policies, housing properties, customer characteristics and other reasons, it is recommended that you contact the local BOC outlets for detailed consultation.
Or you can call the customer service hotline of China Bank at 95566 and press the "28 1" button after hearing the voice prompt. The telephone will directly enter the exclusive service hotline of military customers, and the consultation will be answered directly by hand.
The above contents are for your reference. Please refer to the actual business regulations.
How to handle military housing provident fund loans?
In order to solve the problem of housing loans for servicemen, the state has issued preferential policies for housing provident fund housing loans for servicemen. Then, how should soldiers handle housing provident fund loans?
First, the requirements of military housing provident fund loans
1. The maximum loan amount shall not exceed 80% of the value of the purchased house or mortgaged house. The maximum amount of housing provident fund paid by one spouse is 400,000 yuan, and the maximum amount paid by both spouses is 500,000 yuan;
2. The loan amount shall not exceed the borrower's actual repayment ability; The household liabilities paid by both parties to the housing provident fund shall not exceed 700,000 yuan, and the household liabilities paid by one of the spouses shall not exceed 500,000 yuan.
3. The shortest loan period is 2 years, generally not more than 20 years, and the longest repayment period is 5 years after the borrower reaches the statutory retirement age.
Two, the conditions for soldiers to apply for housing provident fund loans
1, with permanent residence or valid residence certificate in this city;
2. The housing provident fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the provident fund is not less than 2 years;
3, self-raised funds to reach more than 30% of the total price of the purchased housing (including 30%);
4. Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;
5, signed a contract or agreement to buy housing;
6. Meet other conditions stipulated by the trustor and the trustee.
Three, military personnel to apply for housing provident fund loans to submit materials.
1, personal loan application for housing provident fund;
2. Identity documents (resident identity cards, household registration books or other identity documents);
3, the borrower's stable income certificate issued by the unit or other proof of solvency;
4. Legitimate and effective procurement contracts, agreements or other approval documents;
5, the list of collateral, ownership documents, proof that the obligee agrees to mortgage;
6. Collateral appraisal report issued by real estate appraisal agency recognized by housing provident fund management department;
7. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;
8. Relevant certificates of self-raised funds used by the borrower to pay the down payment for house purchase;
9, other documents and materials stipulated by the housing provident fund management department.
Can the loan amount of family provident fund for doctors and soldiers be superimposed?
-Can the loan amount of military family provident fund be superimposed? Yes, the amount and duration of family loans for servicemen who meet the policy requirements are calculated as follows:
loan limit
1. The housing provident fund paid by active military personnel can be included in the calculation of the borrower's family loan amount, and it shall be implemented according to the current calculation method of provident fund loans;
2. Servicemen who have served in the army for more than 20 years may appropriately increase the loan amount on the basis of family repayment ability, with the maximum proportion not exceeding 30% and the maximum not exceeding 700,000.