1. Provident fund loans are capped. In June 2007, it was adjusted to 400,000 yuan, which means that you can only borrow 400,000 yuan at most, and you should infer the upper limit of your loan amount according to your deposit ratio and loan period. In this way, not everyone can borrow 400 thousand yuan.
2. Employees who have opened a housing provident fund account 1 year or more before applying for a housing provident fund loan, paid the housing provident fund 1 year continuously every month, have no housing provident fund loan debt, and have full civil capacity can apply for a housing provident fund loan.
Where the employee's unit is in arrears with the housing provident fund, but the unit has formulated a repayment plan according to the regulations, and the employee has completed the repayment of the housing provident fund as planned when applying for a loan, it can be regarded as continuous deposit.
If the employee fails to pay the housing provident fund within 3 months (inclusive) due to the change of work unit, he should complete the transfer procedures of the housing provident fund within 3 months, resume the monthly deposit, and make up the unpaid housing provident fund, which can be regarded as continuous deposit.
3. In case of purchasing private housing, a down payment of not less than 30% of the total price of the purchased housing shall be paid, and pledge or guarantee shall be adopted. (The down payment regulations in different cities are not exactly the same)
4, non resident workers in this city, when applying for housing provident fund loans, pledge or guarantee should be adopted. (I wonder if other cities have this)
5, provident fund loan repayment in three ways.
The first type: the borrower repays the loan principal and interest due at the sub-branch in cash at the counter on the repayment date.
Second, the borrower can repay the loan principal and interest at the loan bank on the monthly repayment date or entrust the loan bank to withhold the repayment by means of credit card, savings card, passbook, etc.
Third, if a borrower applies for a housing provident fund loan at China Construction Bank, he can sign an entrustment withdrawal agreement with the lending bank to handle the entrustment withdrawal business.
Compared with provident fund loans, the interest rate of mortgage loans is higher, and the interest rates of various banks are not exactly the same, but they will be within the control of a country. Different banks have different regulations on mortgage loans, including loan restrictions, whether a guarantor is needed, whether a large repayment can be made, and how many large repayments can be made in a few years. The certificates issued are all the same. Generally speaking, the four major domestic banks need to be stricter, including approval. However, some corporate banks such as China CITIC Bank, Shanghai Pudong Development Bank and China Merchants Bank have looser restrictions. There are also requirements for the upper limit of mortgage loans, which was 2 million two or three years ago. I wonder if there has been any change in recent years. The repayment channels of mortgage loans are the same as those of the first two provident funds.
In addition, both loans have to pay insurance premiums, mortgage registration fees and so on. , but the standard of payment amount is not exactly the same.
The connection between them is that they can be combined to make loans, that is, combined loans. Portfolio loans must be handled in the same bank (TEDA provident fund loans are in China Agricultural Bank, not China Construction Bank). Portfolio loan refers to the mortgage loan when the amount of provident fund loan is insufficient. For example, if you want to borrow 600,000 yuan and your provident fund can only borrow 200,000 yuan, then you can mortgage the remaining 400,000 yuan. The 200,000 yuan provident fund loan is repaid at the provident fund interest rate, and the 400,000 yuan mortgage loan is repaid at the mortgage interest rate. The procedure of portfolio loan is more troublesome.
Housing provident fund (portfolio) loan process:
Application process: The borrower applies for a loan with "required information" to the loan bank and fills in the Application Form for Housing Provident Fund (Combination) Loan.
The loan bank shall review the loan and report it to the municipal housing provident fund management center for review.
After approval, the loan and the borrower sign a contract: if guarantee is selected, a secured loan contract and a counter-secured mortgage contract are required; If you choose mortgage guarantee, you need to sign a mortgage loan contract; If you choose the pledge guarantee method, you need to sign a pledge loan contract.
Guarantee process: if guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures; If mortgage guarantee is selected, the borrower shall go through mortgage insurance procedures; If the pledge guarantee is selected, the bank shall go through the pledge formalities.
Approval process: the housing provident fund management center approves the loan materials.
Transfer process: the borrower goes to the loan bank to handle the transfer procedures.
The required information varies according to the type of house purchased.
A: materials needed for purchasing commercial housing.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) Two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
(4) Two letters of commitment from the spouse that the borrower agrees to apply for a loan with his housing provident fund loan amount.
3, the purchase of commercial housing information
For the purchase of commercial housing, four copies of the Tianjin Commercial Housing Sales Contract (hereinafter referred to as the Commercial Housing Sales Contract) stamped with the registration seal of the real estate management department are required; Provide the special receipt and four copies of the advance payment of Tianjin real estate development enterprises.
B: Buy materials needed for targeted sales of affordable housing.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3. The purchaser sells the information of affordable housing in a targeted way.
To purchase targeted sales of affordable housing, it shall provide a copy of the Tianjin Affordable Housing Sales Contract (hereinafter referred to as the Affordable Housing Sales Contract) stamped with the registration seal of the real estate management department in quadruplicate; Provide the special receipt and four copies of the advance payment of Tianjin real estate development enterprises.
C: Materials needed for online transaction of private housing.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3, the purchase of private housing information online transactions.
To purchase private houses traded online, the Tianjin Real Estate Purchase and Sale Agreement shall be provided in quadruplicate; Provide the receipt certificate and 4 copies issued by the branch representative Fuzheng Brokerage Center; Provide three appraisal reports of real estate appraisal institutions on the transaction houses; Provide the receipt and payment agreement signed between the buyer and the seller and Fuzheng Brokerage Center and three copies.
D: Buy materials needed to raise funds for housing construction.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) Two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3. Purchase fund-raising housing information
If you buy a house by raising funds, you need to provide a copy of the house sales contract in quadruplicate; Provide the Receipt of Tianjin Enterprise Units or the Unified Receipt of Tianjin Finance Bureau issued by the seller and four copies; Provide three copies of the project investment plan issued or filed by the Municipal Construction Committee; Three certificates of approval for the use of state-owned land issued by the planning and land management department, three construction land planning permits and three construction project planning permits; Construction permit issued by the construction project management department in triplicate. The terms of the house sales contract shall stipulate: the specific address, house price, building area, apartment type, building structure, ownership of property rights, payment method, etc. of the buyer and seller.
E: Materials needed for purchasing public housing.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3. Information on purchased public housing.
The purchase of public housing, provide the "public housing sale agreement" in quadruplicate and a copy; Provide the "Tianjin municipal public housing sales payment book" and four copies or the "Tianjin unit property rights sales payment book" and four copies; Provide three copies of the "Public Housing Sale Permit" issued by the district and county housing committee office.
F: Materials needed for building and rebuilding self-owned houses.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3, the construction and transformation of their own housing information
For newly-built or renovated self-owned houses, three copies of the Construction Project Planning Permit, the Construction Land Planning Permit and their photocopies issued by the district, county and above planning land management departments, three copies of the State-owned Land Use Certificate issued by the district, county and above planning land management departments, and three copies of the Housing Completion Acceptance Certificate issued by the district, county and above planning land management departments; Provide proof and four copies of the borrower's self-raised funds deposited in the branch; Provide the construction and housing project budget report and two copies issued by the project budget agency.
G: Materials needed for overhaul of self-owned houses.
1, borrower information
① Borrower's ID card and four copies. If the ID card is lost or damaged and has not been reissued, temporary id card and four copies shall be provided.
(2) two copies of the residence booklet, blue printed residence booklet or temporary residence permit of this Municipality.
③ Borrower's housing provident fund savings card.
④ The name and seal of the borrower in block letters.
⑤ Borrowers with spouses are required to provide their spouse's ID card and three copies, marriage certificate or marriage certificate and three copies issued by the civil affairs department; A borrower who has no spouse needs to fill out three statements of no spouse. If the actual marital status of the borrower is inconsistent with the household registration book, it is necessary to provide corresponding certificates and three copies. .
2, the use of the spouse housing provident fund loan amount of borrowers, but also must provide the following information:
① Spouse housing provident fund savings card.
(2) Two copies of the commitment letter that the spouse agrees that the borrower can apply for a loan using the housing provident fund loan amount.
3. Overhaul your own house information
Overhaul of self-owned housing, provide the overhaul appraisal certificate and three copies issued by the district, county and above housing management departments, as well as the "Construction Project Planning Permit" and three copies issued by the planning and land management departments; Provide proof and four copies of the borrower's self-raised funds deposited in the branch; Provide the project budget report and two copies issued by the project budget agency.
Guarantee information:
H: guarantee information
If the house that has obtained the Property Ownership Certificate is used for mortgage counter-guarantee, provide the Property Ownership Certificate and three copies; If the mortgaged house with counter-guarantee is a joint property right, it is also necessary to provide the "House Ownership Certificate" and three copies. If the house without the property ownership certificate is used for mortgage counter-guarantee, it is required to provide the Tianjin Housing Registration Certificate (the registration category is pre-registration of ownership) and three copies.
If the mortgaged house is jointly owned, it is also necessary to provide a co-owner ID card and three copies; If the joint property owner is a minor, provide the household registration book and three copies.
If the mortgagor or co-owner is married, it is also necessary to provide the ID card and three copies of the mortgagor's spouse and the co-owner's spouse, the marriage certificate or the marriage certificate and three copies issued by the civil affairs department; The sub-branch shall also require the mortgagor's spouse, the co-owner and the co-owner's spouse to fill in or provide three copies of the notarized Statement of Co-owner's consent to mortgage. If the mortgagor or co-owner is unmarried, the sub-branch shall also require the co-owner to fill in or provide three notarized Declaration of Co-owner's consent to mortgage, and the mortgagor and co-owner shall fill in or provide three notarized Declaration of No Spouse. If the co-owners are minors, three copies of the guardian's ID card, proof of guardianship relationship (household registration book, notarial certificate or court judgment) and three copies are required; The guardian shall fill in or provide three notarized Statement of Co-owners' Consent to Mortgage on behalf of the co-owners.
1. Mortgage guarantee information
If the house has been mortgaged, it is necessary to provide the house ownership certificate (real estate license) and two copies. If the mortgaged house is a joint property right, it is also necessary to provide the "Property Ownership Certificate" and two copies; Provide two mortgage housing evaluation reports. If the house is mortgaged without a title certificate, two copies of the Certificate for the Use of Commercial Housing for Newly-built Residential Buildings in Tianjin (hereinafter referred to as the Certificate for the Use of Commercial Housing) shall be provided.
If the mortgaged house is shared, it is also necessary to provide a co-owner ID card and two copies; If the joint property owner is a minor, provide the household registration book and two copies.
If the mortgagor or co-owner is married, three copies of the ID card of the mortgagor's spouse and co-owner's spouse, a marriage certificate or a marriage certificate issued by the civil affairs department and two copies are required; The sub-branch shall also require the mortgagor's spouse, the co-owner and the co-owner's spouse to fill in or provide two notarized Letter of Commitment on Agreeing to Mortgage (Pledge) the Common Property. If the mortgagor or co-owner is unmarried, the sub-branch shall also require the co-owner to fill in or provide two notarized Pledges for Co-owners, and the mortgagor and co-owner shall fill in or provide two notarized Declarations of No Spouse. If the co-owner is a minor, it is also necessary to provide the guardian's ID card and two copies, the guardianship certificate (household registration book, notarial certificate or court ruling) and two copies; The guardian shall personally fill in or provide two notarized Letter of Guarantee for agreeing to mortgage (pledge) the common property on behalf of the co-owners.
J: pledge guarantee information
Provide copies of bank deposit certificates or treasury bonds and other securities recognized by the center and branches; If the pledgor is married, the sub-branch shall also require the pledgor's spouse to fill in or provide two notarized Pledges of Agreeing to Mortgage (Pledge) Common Property.
For the above information about provident fund, please refer to the policy of Tianjin Housing Provident Fund Management Center. You can visit the provident fund management center in your city to check the regulations in your city.
I remember the mortgage loan when I sold commercial housing two years ago, but I don't know if it has changed yet. Just refer to it.