Housing provident fund loans refer to housing mortgage loans all over the country. The following is the loan process, loan amount and loan conditions of Taiyuan Provident Fund.
First, Taiyuan provident fund loan conditions
To apply for a loan, the borrower shall meet the following conditions:
(1) Apply for a loan according to the regulations on the management of housing provident fund in Taiyuan. The housing provident fund has been paid in full for more than 6 months, and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantee or auxiliary loans to other provident fund borrowers.
(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;
(3) Having stable income, good credit and the ability to repay the principal and interest of the loan;
(four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;
(five) to provide guarantees in accordance with the provisions of the Civil Code and approved by the management center;
(6) Other prescribed conditions.
The management center shall provide loans to borrowers who commit the following acts:
(a) the purchase of public housing, affordable housing, housing demolition, commercial housing, secondary market housing (second-hand housing), to participate in fund-raising or cooperative housing units;
(two) the construction, renovation, overhaul and decoration of owner-occupied housing;
(three) to own or third-party housing ownership as collateral to buy the right to use public housing;
(four) for employees to repay the housing loans of commercial banks.
Second, Taiyuan provident fund loan process
When applying for a loan, the borrower shall fill in the loan application approval form and submit the following materials to the management center:
(1) The identity certificate of the borrower;
(2) the borrower's marriage certificate;
(3) proof of the economic income of the borrower, the borrower's spouse and the auxiliary repayment person;
(4) the legal proof of housing consumption and related materials;
(5) Other necessary related materials.
After receiving the loan application and all kinds of materials that meet the requirements, the management center shall truthfully do a good job in loan review and give a written reply to the applicant within 15 working days.
Collective application for housing provident fund loans shall be reviewed by the project audit record of the management center or the loan review committee, and the credit rating of the loan project and the borrower shall be reviewed, and the applicant shall be given a written reply within 30 working days.
Upon examination, if the loan conditions are met, the management center, the cooperative bank and the borrower shall sign a personal loan contract for housing provident fund (hereinafter referred to as the loan contract) and issue the required loans to the borrower.
Three, Taiyuan provident fund loan amount, term and interest rate
1. The maximum amount of provident fund loan is 450,000 yuan, of which: the loan amount for purchasing house ownership does not exceed 80% of the total house price (including 80%); The loan amount for the construction, renovation, overhaul and decoration of owner-occupied housing shall not exceed 50 (including 50) of the required expenses; On the premise that the loan amount for repaying the housing loans of commercial banks does not exceed the original loan amount of commercial banks, a certain amount of renovation loans can be added on the basis of the remaining principal of the original commercial loans; The purchase of public housing use rights, can refer to the purchase of housing ownership loan amount. The loan amount under all loan conditions cannot exceed the maximum loan amount.
2. The loan term shall be agreed by the borrower and the borrower according to the relevant provisions of the People's Bank of China, but the longest term shall not exceed 30 years. The loan term plus the borrower's age shall not exceed the statutory retirement age of the borrower in principle.
3. The loan interest rate shall be implemented according to the housing provident fund loan interest rate announced by the People's Bank of China. If the borrower repays the loan principal and interest in advance, the interest rate shall be subject to the contract interest rate; If the borrower repays the principal and interest of the loan beyond the time limit stipulated in the loan contract, the overdue part shall be charged with penalty interest at the interest rate stipulated by the People's Bank of China. If the loan term is one year, the contract interest rate shall be implemented. If the statutory interest rate is adjusted, the interest will not be calculated by sections; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.
legal ground
People's Republic of China (PRC) social insurance law
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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Regulations on the administration of housing provident fund
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These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.