I. Loan conditions
① The applicant's personal housing provident fund account has been paid in full for more than 3 months and the deposit status is normal; (2) The applicant's provident fund account is reserved for 3 months, which is insufficient to make up; (3) authorize the provident fund center to inquire about the family credit record, and the credit record is regarded as good; ④ The number of provident fund loans made by the applicant's family in Yiyang administrative area has no record of more than 2 times (inclusive); ⑤ The authorized center withholds and pays the loan from the provident fund account or bank account associated with the husband and wife on a monthly basis.
Second, the necessary information
□ 1. Original and photocopy of the second-generation valid ID card of the borrower.
□2. The original and photocopy of the second-generation valid ID card of the spouse and the proof of husband-wife relationship (if married).
□3. Original unmarried statement and commitment (if unmarried or divorced, widowed and not remarried, fill in the text in the provident fund center).
□ 4./KLOC-Original and photocopy of state-owned land use certificate (household registration book or general certificate) and house ownership certificate (or immovable property certificate) within 0/year.
□5. Original and photocopy of deed tax payment certificate for house purchase.
□6. Copy of repayment passbook (card) (ICBC or CCB)
Three. Loan amount, interest rate and term
1. Loan amount: no more than 80% of the house price; The introduction of outstanding talents (deputy senior professional titles or doctoral degrees) will be increased by10% according to the same grade; Pure provident fund loans up to 350,000.
2. Loan interest rate: The interest rate policy promulgated by the People's Bank of China was implemented, and the secondary loan rose by 65,438+00%.
3. The loan term is at least 3 years (inclusive) and the longest is 30 years, and the final repayment date is no more than 65 years old.
Four. Related matters
1. The collateral is the purchased property; 1 loan of the second loan must be settled.
2. If the construction area of each county (city) is greater than 130m2, and the construction area of the central city (including Ziyang District, Heshan District and High-tech Zone) is greater than 120m2, portfolio loans will be implemented; The bank is responsible for the examination and approval of portfolio loans. Within 700,000 yuan, the center and the bank each lend 50%.
3, the purchase of commercial and residential dual-use residential or apartment, the type of land use rights for villagers homestead, collective land, leased land, allocated land, no loans.
4. If the property right is owned by shares, the loan amount shall be calculated according to the share of property right; If the property rights are the same, the average loan amount shall be calculated by the property owners; * * * Property owners (including minors) voluntarily authorize borrowers to sign loan contracts for confirmation.
5. For the same set of housing, the total amount of provident fund (including frozen funds) withdrawn by the owner plus the loan amount (excluding portfolio loans) shall not exceed the taxable amount of deed tax or value-added tax. If it is impossible to determine the value of the deed tax payment certificate, you can use the Uniform Invoice for the Sale of Real Estate, the Tax Declaration Form for Real Estate Transaction and the Tax Payment Book (only for tax collection and cash collection) as auxiliary materials.
6. The house price is determined as the deed tax or VAT payable. If there is a tax reduction or exemption policy, the borrower shall provide the basis for tax reduction or exemption issued by the government or relevant departments, and the assessed price shall not exceed the local market price.
7. After accepting the complete loan information, the center shall complete the pre-loan review, investigation and approval within 5 working days. In principle, the loan funds should be transferred to the account of the main borrower, and the main borrower transferred to the third party account should be clear and signed for confirmation.
8. If the contract is not signed for more than 180 days from the loan approval date due to the applicant's reasons, it will be deemed as abandonment and the data will be invalid.
9, before marriage, both husband and wife during the existence of provident fund loans, identified as the number of loans for both husband and wife; If there is a provident fund loan during the relationship between husband and wife, and the relationship between husband and wife is dissolved before the loan is paid off, and the loan is applied again, the non-property party does not count the times, and the property party counts the times; If the relationship between husband and wife is dissolved before signing the data acceptance contract in person, the loan formalities should be re-handled.