Borrowers who meet the conditions of Foshan housing provident fund loans may apply for loans according to the following provisions.
(1) Determine the maximum loan amount according to the available amount of Foshan housing provident fund. Pay the housing provident fund in full and on time for more than 6 months (inclusive) and less than 1 year (exclusive), and the maximum personal loan shall not exceed 1.5 million yuan; Accumulated housing accumulation fund in full and on time 1 year and less than 2 years (excluding), with the maximum loan amount not exceeding 300,000 yuan; Accumulated housing provident fund has been paid in full and on time for more than 2 years (inclusive), and the maximum personal loan amount does not exceed 400,000 yuan (800,000 yuan for husband and wife).
If the housing provident fund loan is still insufficient and the individual has the repayment ability, he can also apply for a portfolio loan (housing provident fund loan commercial loan).
(II) Determine the loan amount according to the principle that "the maximum loan amount of housing provident fund does not exceed 2 times the amount of housing provident fund paid by the borrower's family members within the retirement age" in the Measures for the Administration of Individual Housing Loans of the People's Bank of China, that is, (the housing provident fund that the borrower should pay when the detailed balance of the current housing provident fund reaches retirement cancellation) ×2.
The housing provident fund to be paid for cancellation from the current month to retirement = the monthly average of the housing provident fund paid from the current month to the first half of the year (6 months) × the number of months from the current month to retirement. Retirement time is calculated at 60 years old.
(3) When employees apply for housing provident fund mortgage loans, they must have paid a down payment of not less than the specified amount, that is, the loan amount cannot exceed the total house price minus the down payment, and building, decoration and major house repairs are also handled according to this principle.
(4) According to the Guidelines for Risk Management of Real Estate Loans of Commercial Banks, the ratio of monthly real estate expenditure to income of borrowers is controlled below 50%, and the ratio of monthly debt expenditure to income is controlled below 55%.
The calculation formula of the ratio of real estate expenditure to income is: monthly repayment amount/monthly income of the loan. That is, the loan amount ÷ the interest payable for several months during the loan period cannot be greater than 50% of the income.
The calculation formula of all debt-to-income ratio is: (monthly repayment amount of this loan and other debts)/monthly income. That is: loan amount ÷ interest payable for several months during the loan period. The monthly repayment of other debts cannot be greater than 55% of income.
The above income is based on the individual salary base declared and registered by the housing provident fund deposit unit.
(5) The approval of the loan amount also involves the setting of the loan amount in points (1) to (4) above, whichever is lower.
What are the loan conditions of Foshan provident fund?
The loan conditions are: (1) The borrower is an employee who has paid the housing accumulation fund in our city; If the housing provident fund is not paid in our city (paid by employees in different places), the borrower or spouse is registered in our city, or the borrower's spouse pays the housing provident fund in our city and conforms to paragraph (2) of this article. Judging the deposit place, household registration place and marital status of housing provident fund is based on the situation at the time of loan application. (2) The housing provident fund has been paid in full in the first six months from the month when the loan was applied, and it has been 1 year since the housing provident fund was paid in full on time. If the personal data (or personal account) is cancelled, the personal data will be reopened, starting from the month when the funds are paid. All talents and cadres who meet the requirements of the Notice on Introducing Senior Talents to Implement the Pilot Reform of Housing Commercialization in Foshan (Fofu [1998] 122) can apply for loans without being limited by the payment period after starting to pay the individual housing provident fund. (three) the purchase of housing, construction, renovation, overhaul of housing, lack of funds. (four) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan. (five) can provide real estate as collateral for loans in accordance with the provisions of these measures. Article 9 of the Measures for Housing Mortgage Loan of Foshan Housing Provident Fund shall be subject to the signing of mortgage loan contract and the completion of mortgage procedures. After the entrusted bank delivers it to the municipal housing provident fund management center, the municipal housing provident fund management center will transfer the loan funds into the special account designated by the entrusted bank within 2 working days. The entrusted bank shall issue the loan within 5 working days and transfer the funds to the account designated by the seller.
Conditions and requirements of Foshan provident fund loan
Conditions and requirements of Foshan provident fund loan
Conditions and requirements of Foshan provident fund loan: the applicant is a Foshan hukou, and can apply for Foshan provident fund loan regardless of whether he pays off-site provident fund or local provident fund. If the applicant is not registered in Foshan, he/she needs to pay Foshan Provident Fund before applying. Conditions and requirements of Foshan provident fund loan.
Conditions and Requirements of Foshan Provident Fund Loan 1
Letter of credit clause
(a) the borrower is an employee who has paid the housing provident fund in our city; If the housing provident fund is not paid in our city (paid by employees in different places), the borrower or spouse is registered in our city, or the borrower's spouse pays the housing provident fund in our city and conforms to paragraph (2) of this article. The distinction between the place where the housing provident fund is paid, the place where it is registered, and the married situation shall be subject to the situation at the time of loan application.
(2) Since the month of applying for the loan, the housing provident fund has been paid in full and on time in the first six months, and the accumulated housing provident fund has been paid in full and on time 1 year. If the personal data (or personal account) has been cancelled, it shall be counted from the month when the personal data is reopened and the funds are deposited.
Confirmed by the municipal human resources and social security management department or the municipal cadre management department, cadres who meet the requirements of the municipal government's policy of introducing high-level talents, or cadres who meet the conditions for receiving resettlement by the municipal cadre management department, can apply for loans after opening the details of individual housing provident fund and starting to pay housing provident fund, and are not limited by the payment period.
(three) the purchase of housing, construction, renovation and overhaul of housing.
(four) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan.
(five) to provide property that meets the requirements of these measures as collateral for loans.
Foshan housing provident fund loan application conditions in different places
1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
Conditions and requirements of Foshan provident fund loan II
(1) Determine the maximum loan amount according to the available amount of Foshan housing provident fund. Pay the housing provident fund in full and on time for more than 6 months (inclusive) and less than 1 year (exclusive), and the maximum personal loan shall not exceed 1.5 million yuan; Accumulated housing accumulation fund in full and on time 1 year and less than 2 years (excluding), with the maximum loan amount not exceeding 300,000 yuan; Accumulated housing provident fund has been paid in full and on time for more than 2 years (inclusive), and the maximum personal loan amount does not exceed 400,000 yuan (800,000 yuan for husband and wife).
Housing provident fund loans are still insufficient, and individuals have the ability to repay, they can also apply for portfolio loans (housing provident fund loans commercial loans).
(II) Determine the loan amount according to the principle that the loan amount of housing provident fund does not exceed twice the amount of housing provident fund paid by the borrower's family members within the retirement age in accordance with the Measures for the Administration of Individual Housing Loans of the People's Bank of China, that is, the housing provident fund that the borrower intends to pay when the current detailed balance of housing provident fund reaches retirement cancellation.
The housing provident fund to be paid for cancellation from the current month to retirement = the monthly average of the housing provident fund paid from the current month to the first half of the year (6 months) and the number of months from the current month to retirement. Retirement time is calculated at 60 years old.
(3) When employees apply for housing provident fund mortgage loans, they must have paid a down payment of not less than the specified amount, that is, the loan amount cannot exceed the total house price minus the down payment, and building, decoration and major house repairs are also handled according to this principle.
(4) According to the Guidelines for Risk Management of Real Estate Loans of Commercial Banks, the ratio of monthly real estate expenditure to income of borrowers is controlled below 50%, and the ratio of monthly debt expenditure to income is controlled below 55%.
The calculation formula of the ratio of real estate expenditure to income is: monthly repayment amount/monthly income of the loan. That is, the loan amount should be repaid with interest for several months, not more than 50% of the income.
The calculation formula of all debt-to-income ratio is: (monthly repayment amount of this loan and other debts)/monthly income. That is, the loan amount should be repaid for several months with interest, and the monthly repayment amount of other debts should not be greater than 55% of income.
The above income is based on the individual salary base declared and registered by the housing provident fund deposit unit.
(5) The approval of the loan amount also involves the setting of the loan amount in points (1) to (4) above, whichever is lower.
Foshan provident fund loan conditions and requirements 3
All five banks indicated that the first loan interest rate of housing provident fund was 3.25%, and if it was a second loan, it would have to be raised by 10%, that is, 3.575%.
If the provident fund loan amount is not enough, then the rest need to apply for commercial loans. For this part of commercial loans (that is, portfolio loans), the interest rate needs to be subject to the major banks.
About the loan time:
The normal process is to require the applicant to submit the materials to the bank first, and then submit them to the housing provident fund management center for review after the bank handles them. If the materials are complete, the application procedures generally do not exceed 10 working days, depending on the situation of different banks.
After the application procedures are completed, the entrusted bank will lend money 1 working day.
About the application conditions:
The applicant is a Foshan hukou, and can apply for a Foshan provident fund loan regardless of whether he pays a foreign provident fund or a local provident fund; If the applicant is not registered in Foshan, he needs to pay Foshan provident fund before applying.
In addition, if the family (husband and wife, children) has two houses, including village houses and commercial houses, they cannot apply for it temporarily.
About * * * same loan:
Major banks have different detailed requirements on whether family members can apply for provident fund loans.
China Construction Bank Foshan Branch said that if two people's names are filled in the real estate license, they can apply with their provident fund loan lines.
Bank of Communications Foshan Branch revealed that the specific amount of superposition needs to be entered into the system for comprehensive evaluation according to different situations.
20 17 the introduction of Foshan provident fund loan ends here.