1. Special requirements for housing area. The housing construction area for purchasing owner-occupied housing and applying for housing provident fund loan is limited to owner-occupied housing below 144 square meters (inclusive).
2. The loan term has special requirements. The shortest loan period is 1 year, and the longest is not more than 5 years after the applicant's statutory retirement age, and not more than the termination period of the land use right of the mortgaged house. Among them, the term of the self-occupied housing overhaul loan shall not exceed 10 year at the longest; The purchase of second-hand houses or first-hand houses with a construction area of more than 90 square meters has a loan period of no more than 20 years; Buy a first-hand house, turn it into a public loan and belong to the first set of self-occupied housing. The building area of the house is less than 90 square meters (inclusive), and the loan period is no longer than 30 years.
3. Special requirements for down payment. Purchase the first set of self-occupied housing, not less than 30% of the total housing price; The down payment ratio for purchasing a second set of self-occupied housing shall not be less than 50%; Stop issuing housing provident fund loans to paid workers' families who buy third and above houses.
4. Special requirements for marital status. Marriage certification materials shall provide relevant certification materials from the civil affairs department or the public security department.
If the applicant is married: provide the identity documents of the applicant, his spouse and the owner of the mortgaged house; The applicant's marriage certificate and permanent residence registration card, and the property right of the mortgaged house.
If the applicant is unmarried: provide the identity documents of the applicant and the owner of the mortgaged house; The applicant's permanent residence registration card (if the marital status of the registration card is blank and the marital status information is inconsistent with the credit report, provide the unmarried certificate issued at the marriageable age), the mortgaged house property right and someone's marriage certificate.
If the applicant is divorced: provide the identity documents of the applicant and the owner of the mortgaged house; The applicant's divorce certificate and permanent resident registration card, involving property distribution, must provide divorce agreement or court judgment (court mediation), mortgage property rights * * * marriage certificate. Note: If the court judgment is provided, the court's effective certificate must be provided. A divorce certificate is not required to provide a court judgment or a court conciliation statement, but the marital status of the resident population registration card must show divorce.
If the applicant is widowed: provide the identity documents of the applicant and the owner of the mortgaged house; The applicant's marriage certificate, permanent residence registration card, spouse's death certificate, mortgaged property rights and marriage certificate.
5. Special requirements for housing appraisal. All purchases of second-hand houses need to be evaluated; If the purchase of commercial housing has been confirmed, and the issuance date of the real estate title certificate exceeds 1 year, or the registration time of the commercial housing sales contract exceeds 1 year, the value evaluation report made by the real estate appraisal agency recognized by the Municipal Housing Provident Fund Management Center shall be submitted. If it is necessary to evaluate the housing value when applying for housing provident fund loans, the lower value of the purchase contract price and the evaluation price shall be taken as the total housing price for calculating the loanable amount.
6. Special requirements for collection and repayment accounts. First, the applicant's loan money must be transferred to the bank account opened in the name of the seller, and may not be transferred to the applicant's personal account (except for self-occupied housing construction, renovation, overhaul and commercial loans) or other accounts. 2. The repayment account and the collection account must provide a valid RMB current savings account opened in Guangdong Province (except Shenzhen) (see "Opening Bank and Scope of Collection/Repayment Account" for details).
7. Special requirements for housing loans. The applicant shall sign a legally binding and standardized purchase contract or agreement with the sales unit or individual.
8. Special requirements for construction loans. The houses built must be self-occupied houses approved by the municipal construction planning department, and provide land use certificates.
9. Special requirements for decoration loans. Decorated houses must be self-occupied houses that have been completely demolished, designed and rebuilt with the approval of the municipal construction and planning departments, and provide land use certificates.
10. Special requirements for overhaul loans. In the safety appraisal report issued by the housing safety appraisal institution, it is necessary to change or replace some main components of the house, but the self-occupied houses in our city that do not need to be completely demolished must be overhauled.
1 1. Special requirements of business for public loans:
(1) Meet the loan conditions of housing provident fund;
(2) Meet the requirements for prepayment of commercial loans;
(3) The house must have a title certificate;
(4) The commercial part of the portfolio loan cannot be transferred by the applicant to the public, and the commercial transfer to the public cannot form a portfolio loan;
(5) Loans from commercial banks to public banks must be transferred to the account opened by the applicant in the entrusted bank; If the loan is used to offset the loan, it must be included in the repayment account of the commercial loan (borrower);
(6) The confirmation letter of Dongguan commercial-to-public loan is valid within 60 days from the date of issuance. The borrower must pay off the commercial loan within the time limit and cancel the original mortgage registration. If it is not handled within the time limit, the provident fund center may cancel its application for commercial loans.
Dongguan Housing Provident Fund Loan 14 Special Requirements 1 Non-compliance all fell through.
12. Special requirements for portfolio loans. Portfolio loans must have the same mortgage house, the same lender, the same loan start and end date and the same repayment account. The sum of the first housing portfolio loan, housing provident fund loan amount and commercial loan amount shall not exceed 70% of the housing value purchased by the applicant, and the sum of the housing provident fund loan amount and commercial loan amount in the second housing portfolio loan shall not exceed 50% of the housing value purchased by the applicant.
13. Special requirements for refinancing. You must apply for the housing provident fund loan in our city again 12 months after paying off the last application for housing provident fund loan.
14, special requirements for house demolition appraisal. The number of housing units for housing provident fund loan families is determined according to the number of housing units actually owned by the family members who intend to purchase houses, and the number of housing units transferred by the applicant to public loans is not counted.
(1) Under any of the following circumstances, it will be regarded as the second set, and the second set of differentiated loan policy for owner-occupied housing will be implemented for the applicant:
The applicant applies for housing provident fund loan for the first time to purchase a house, but the family already has a house registered in the housing management department of our city;
(2) The applicant has used the loan to purchase a house and applied for the housing provident fund loan to purchase a house;
(3) The Municipal Housing Provident Fund Management Center is convinced that the applicant's family already owns a house through the personal credit information basic database of the Credit Information Center of China People's Bank and through interviews and other forms of investigation.
(two) one of the following circumstances, identified as the third set, the applicant to implement the third set (and above) differential loan policy for self-occupied housing:
The applicant has registered two sets (and above) of housing in the housing management department of our city;
The applicant has used loans to purchase two or more houses, and applied for housing provident fund loans to purchase houses;
③ The City Housing Provident Fund Management Center inquires about personal credit reports and interviews through the personal credit information basic database of the Credit Information Center of the People's Bank of China, and is convinced that the applicant's family owns two (or more) houses.
(The above answers were published on 20 15-06-25. Please refer to the actual situation for the current purchase policy. )
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