China Bank Shanghai Housing Provident Fund Loan Handling Conditions:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.
The above contents are for your reference. Please refer to the actual business regulations.
What materials do Shanghai provident fund loans need?
The materials required for the Shanghai Provident Fund loan are as follows:
First, the married applicant provides the original and photocopy of the marriage certificate, and the unmarried or divorced person provides the single commitment letter;
Two, the applicant, * * * with the applicant's housing provident fund account;
3. The original and photocopy of the ID card, the original and photocopy of the household registration book, and the minor shall provide the guardian's certificate;
4. The original and photocopy of the pre-sale contract and advance notice registration certificate;
5. Original and photocopy of the down payment invoice for house purchase;
6. Account number of the sales unit;
7. Original and photocopy of debit card.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Development:
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying and revising the Regulations on the Management of Housing Provident Funds, and liberalizing the provision that individuals withdraw provident funds to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.
20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
From July, 2065438 to July, 2007, all housing provident fund management centers in China will be "networked" to handle the transfer and connection of housing provident fund in different places through a unified platform.
On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
What materials do Shanghai first-hand housing provident fund loans need?
1, materials of provident fund account
The provident fund account number of the borrower, spouse and * * * the same borrower (* * * the same borrower must be the immediate family member of the borrower and have the same account for more than one year).
2. Real estate materials
Front room:
Shanghai Commodity House Pre-sale Contract (original 1) and down payment receipt (original and photocopy, with down payment exceeding 20%).
Developer's business license, legal person ID card, pre-sale permit (all copies), original and copy of advance notice registration.
First-hand existing house:
Shanghai Commodity House Sales Contract (original 1) and down payment receipt (original and photocopy, with down payment exceeding 20%).
Business license of the developer, legal person ID card and large-scale production certificate (all copies)
3. Identity materials
The main lender, spouse, * * * same borrower and * * * owner must be present and provide the following information: all owners (spouses of * * * owners without real estate license) must provide the original ID card (3 copies on the front and back of the ID card), the original birth certificate (3 copies), the original household registration book (1 full copy) and minors.
4. Bank passbook materials
The principal lender shall provide two copies of the passbook of the rural commercial bank. For the outlets of rural commercial banks, please consult: 962999.
5. The developer's collection account number (which should be indicated in the contract).
The introduction of Shanghai provident fund loan materials ends here.