Housing provident fund loan conditions

The employee's unit must open a housing provident fund account in the entrusted bank determined by the county people's government and pay the housing provident fund on time for more than one year.

First, the loan object

In line with the "loan conditions" and the need to buy and build houses, administrative institutions and enterprise employees purchase housing reform, affordable housing, commercial housing or self-built housing in their respective jurisdictions.

Second, the loan amount and loan interest rate

The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.

Third, the loan term.

According to the remaining length of service and repayment ability of employees. The longest term of housing provident fund personal housing entrusted loan is 20 years. Employees with less than 20 years of remaining service can be relaxed for 3 years.

Four, employee loans should provide materials

(a) to apply to the housing provident fund management department, after passing the preliminary examination, send the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate;

(2) The employee shall submit the completed Application Form for Personal Loan of Cengong County Housing Provident Fund together with the following materials to the Credit Unit of the County Housing Provident Fund Management Department;

1. Two loan applications (signed by married spouse);

2. The original and photocopy of the house purchase contract or agreement 1 copy each;

3. 1 Original and photocopy of the Registration and Filing Form of Commercial Housing Pre-sale Contract;

4. Two copies of deposit receipt;

5. Two copies of the applicant's husband and wife ID card and household registration book;

6. Two originals of the income certificate of the applicant's husband and wife;

7. The original 1 copy, 1 copy and 1 copy of the applicant's personal account inquiry form for husband and wife housing provident fund (with the official seal of the bank where the account is opened);

8. The applicant should provide a copy of marriage certificate if he is married, and two copies of divorce certificate if he is divorced; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;

9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;

10. To purchase affordable housing, two copies of the approval document for construction land, construction project planning permit, construction permit, house elevation, house floor plan and approval documents of relevant government departments shall be provided.