What materials do you need to prepare for a provident fund loan in Dalian, what is the loan application process, and what is the loan application interest rate? The editor has listed the relevant content of provident fund loans for you, welcome to check it out.

Loan Conditions

On October 9, 2014, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China jointly issued the "Notice on the Development of Housing Provident Fund Personal Housing Loan Business", in which Adjustments have been made to the conditions for housing provident fund loans, loan amounts, fees for loan-related projects, and regulations on mutual recognition in different places. Dalian Local Treasure will continue to pay attention to the latest news on the new provident fund policy of Dalian City, and everyone will continue to pay attention.

Changes in New Deal loan conditions (not yet implemented)

Currently: Housing provident fund has been paid on time and in full for more than 9 months, and a personal housing provident fund account has been opened for more than 9 months (from The loan application date is projected forward);

After the reform: The borrower has paid and deposited the housing provident fund normally for more than six months (inclusive) before applying for a provident fund loan.

Mutual recognition in different places: Employees can apply for a housing provident fund personal housing loan from the housing provident fund management center in the place of their residence by holding a deposit certificate issued by the housing provident fund management center in the place of employment. ?

Dalian City has not yet formally implemented the content of the new policy, and it is still implemented in accordance with the original system. The details are as follows:

Borrowers applying for loans should meet the following conditions:

1. The housing provident fund has been paid on time and in full for more than 9 months, and a personal housing provident fund account has been opened for more than 9 months (calculated forward from the loan application date);

2. I or my spouse , parents and children purchase, build, renovate, and overhaul ordinary urban houses for self-occupation within this city, and the purchase and construction and other activities occur within one year except for transfer of housing provident fund loans;

3. Have stable Have good income and credit, and have the ability to repay the principal and interest of the loan;

4. Have the relevant procedures, documents and prescribed proportion of self-raised funds for purchasing, constructing, renovating and overhauling ordinary houses for self-occupation;

5. Provide assets that comply with the provisions of the "Guarantee Law of the People's Republic of China" and have been approved by the Municipal Provident Fund Management Center as security;

6. Borrowers with non-local residence and local farmers must provide Contact person;

7. Comply with other conditions stipulated in laws, regulations and rules.

Note: Loans will not be granted if the borrower's unit has been in arrears with housing provident funds for more than 65 days (including 65 days).

Loan process

New policy loan fee regulations (not implemented)

Currently: Provident fund loan-related charges are mainly concentrated in evaluation fees and guarantee service fees. It is understood that these intermediary fees generally account for 3% to 4% of the total provident fund loan amount, and can reach up to 8%.

After reform: Cancellation of many fees such as loan insurance, notarization, and evaluation during the process of applying for a provident fund loan.

Dalian first-hand housing loan

1. The borrower fills out the "Loan Application Form" and the center reviews whether there are any bad records, and then submits relevant materials

2. Management The center reviews the materials, and after the borrower pays the mortgage insurance premium and other fees, the borrower signs a loan contract with the center

3. The borrower takes the relevant mortgage registration documents to the real estate transaction registration management department to handle the pre-mortgage registration procedures. , and return the mortgage to the material transfer center.

4. After the center receives and verifies the mortgage registration materials, it entrusts the bank to transfer the provident fund loan funds to the bank account designated by the real estate development enterprise by transfer.

Dalian second-hand housing loan

1. The borrower fills out the "Loan Application Form" and provides corresponding procedures according to the different types of loan applied for

2. Management Center A comprehensive review will be conducted based on the applicant's payment status, etc., and a reply will be given within 3 days

3. If the review is passed, the borrower will receive the required loan after signing the loan contract

Loan materials

1. Dalian Provident Fund first-hand housing loan materials

2. Dalian Provident Fund second-hand housing loan materials

3. Dalian Provident Fund non-state-owned land property loan materials

Loan Amount and Interest Rate

New Deal Loan Amount Changes (not implemented)

Original policy: For purchase of first-hand housing, Dalian provident fund loan has the highest loan limit among the four districts and high-tech parks in the city. The limit is 450,000 yuan.

If both the borrower and the auxiliary borrower apply for a loan, the maximum loan amount for provident fund loans in the four districts of the city is 700,000 yuan.

New policy: Dalian City has not yet made adjustments to the provident fund loan limit. If there are any changes, it will be updated as soon as possible.

Loan amount:

1. First-hand housing loan amount: If the borrower applies for a loan, the maximum loan amount for provident fund loans in the four districts and high-tech parks in the city is 450,000 yuan. If both the borrower and the auxiliary borrower apply for a loan, the maximum loan amount for provident fund loans in the four districts of the city is 700,000 yuan. Details

2. Second-hand house quota: For the purchase of second-hand houses, the pure provident fund loan or combined loan quota shall not exceed 60% of the lower of the transaction price and the appraised price, and the construction area shall not exceed 90 square meters and the house Those aged less than 5 years can be relaxed to 70%.

3. Dalian commercial housing provident fund loan limit details

4. Dalian housing reform housing provident fund loan limit details

5. Dalian interchange housing provident fund loan limit details

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6. Details of the provident fund loan limit for Dalian’s relocation house

7. Details of the provident fund loan limit for Dalian’s replacement house

8. Details of the provident fund loan limit for Dalian’s second house

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9. Dalian Housing Provident Fund Loan Amount Details

Loan Interest Rate:

For first-time home loan terms of 1-5 years, the annual interest rate is 4.0%; The interest rate for home loans is 6-30 years, and the annual interest rate is 4.50%; the interest rate for second home loans is 1.1 times the interest rate for first home loans in the same period.

Note: If the interest rate is adjusted during the loan period, the one-year loan will still be subject to the original loan contract interest rate, and interest will not be calculated in installments; for loans over one year, interest will be calculated on January 1 of the following year. The new loan interest rate will be implemented from now on, and interest will be calculated based on the actual number of days during the multi-year interest calculation period.

Detailed explanation of the provident fund loan amount calculation formula:

Pure provident fund loan amount = (borrower’s total monthly housing provident fund payment / housing provident fund payment ratio × loan repayment ability coefficient A + borrower’s monthly The total amount of housing provident fund paid) × 12 × loan term.

Loan repayment

Normal repayment methods and regulations

1. The borrower should follow the repayment method agreed in the loan contract and the actual repayment plan. Monthly repayment of loan principal and interest.

2. There are two repayment methods: the equal principal and interest repayment method and the equal principal repayment method. Borrowers can choose either one when applying for a loan.

Early repayment procedures

1. The borrower can apply to change the repayment method when handling partial repayment in advance. The repayment method of a loan can only be changed once.

2. For full or partial repayment, the borrower must obtain the consent of the management center and go through relevant procedures.

3. When making full or partial repayment, the borrower can choose to use cash repayment, housing provident fund transfer repayment, or a combination of cash repayment and housing provident fund transfer repayment.

4. When handling partial repayment, the amount of each repayment shall not be less than the prescribed amount. The remaining portion of the insurance premium and guarantee fee involved can be returned after the loan is fully paid off.

Early repayment process

1. The borrower authorizes the management center to deduct funds from his housing provident fund account on a monthly basis from the first agreed repayment date to repay the loan, and the authorization Irrevocable. The borrower's spouse can also entrust the management center to deduct funds from his or her housing provident fund account on a monthly basis to repay the loan.

2. The borrower must open a personal bank settlement account in the agency bank as a repayment account, and authorize the agency bank to deduct funds from the account at any time by automatic transfer to repay the loan.

(The above answer was published on 2015-06-29, please refer to the actual current relevant home purchase policies)

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