Chengdu housing provident fund loan process, when applying for a provident fund loan, the loan applicant should fill in a written application at the Chengdu Provident Fund Center or the loan acceptance branch of the loan bank, submit true, complete and effective application materials as required, and cooperate with the loan investigation and review. Chengdu housing provident fund loan process.
Chengdu Housing Provident Fund Loan Process 1 Chengdu Housing Provident Fund Housing Loan Application Process
Step 1: Pre-examine the original. When a development enterprise lands in official website, it should input relevant information and upload relevant materials according to the page prompts to apply for online pre-examination for loan applicants.
Step 2: Apply. The loan applicant shall fill in a written loan application and submit the application materials in the central loan service hall or the entrusted bank loan acceptance outlets.
Step 3: Accept. The entrusted bank conducts acceptance, investigation and preliminary examination.
Step 4: Review. Approval center.
Step 5: Finish it. If the loan is granted, notify the entrusted bank to handle the loan procedures; If the loan is not approved, explain the reasons to the loan applicant.
Chengdu housing provident fund housing loan application materials
1. Original valid ID.
2. Household registration
3. Marriage certificate
4. Record form with new seal of the developer
5. Original purchase contract or agreement
6, the purchase of housing down payment certificate
7. Storage of income-related information
8, provident fund related information
9. Entrusted Deduction (Repayment) Account
10. Property ownership certificate or property right certificate of the traded house before transfer.
1 1, summary of house information or real estate registration information.
12, annex or supplementary agreement to the house purchase contract
13. The developer shall handle the advance notice registration formalities with the official seal.
14, Personal and Family Housing Registration Information Registration
Chengdu housing provident fund housing loan application processing time
9: 00 am-12: 00 am and13: 00 pm-17: 00 pm (except holidays).
Chengdu housing provident fund loan process procedures 2 The maximum amount of provident fund loans in this city is: the maximum amount of loans for single employees who meet the loan conditions is 400,000 yuan, and the maximum amount of loans for double employees and above is 700,000 yuan.
The maximum amount of provident fund loans in this Municipality is determined by the Chengdu Housing Provident Fund Management Committee.
Calculation formula of loan amount
(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.
1. How to choose "monthly provident fund deposit":
If the paid employees have not withdrawn the provident fund, the value shall be taken according to the actual amount of the provident fund paid each month. If the paid employees withdraw the provident fund, they will be deducted one by one according to the principle of last in first out from the time of withdrawal, and the value will be taken according to the deduction amount of the current month until the corresponding withdrawal amount is deducted, and the deducted funds will no longer be included in the loan amount calculation.
2. Value method of "corresponding storage month": the storage month corresponding to the last deposit of the depositor is 1, and the natural month is pushed forward from 1, and the corresponding storage months are 2, 3 and 4 respectively.
3. How to choose the "deposit and loan coefficient":
Chengdu Provident Fund Center will make timely adjustments and announcements according to factors such as liquidity.
(2) If the paid employees have continuously paid the housing provident fund for more than 6 months (inclusive), and participated in the deposit of flexible employees before the deposit of the unit and the combined continuous deposit time is not less than 12 months, the loan amount shall be calculated separately according to the deposit amount of the unit and the deposit amount of flexible employees, and then added together; If the consolidated deposit time is less than 12 months, the loan amount will be calculated only according to the deposit of the organizational unit.
(3) After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.
The maximum amount of a single housing provident fund loan in Chengdu Housing Provident Fund Management Center is two or more employee families who meet the housing provident fund personal housing loan conditions, with a maximum loan amount of 700,000 yuan and a maximum loan amount of 400,000 yuan for a single employee.
The calculation formula of single loan amount is: for families with two or more employees who meet the housing provident fund loan conditions, the loan amount = (borrower's provident fund deposit balance+* * * and borrower's provident fund deposit balance) ×20 times× deposit time coefficient (the upper limit is 700,000 yuan); Single employee family loan amount = borrower's provident fund deposit balance ×20 times× deposit time coefficient (upper limit: 400,000 yuan).
If the continuous normal deposit time is less than 12 months, the time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the time coefficient is 0.9; The time coefficient of continuous normal deposit for more than 24 months is1; The deposit time coefficient of off-site loans is unified to 0.5. In line with the conditions of housing provident fund loans, families of two or more employees can determine the time coefficient according to the party with long payment time.
1. Maximum amount: 400,000 singles and 700,000 couples.
This is a limit that cannot be exceeded, or it may not be the highest, depending on the loan calculation formula.
2. Specific loan amount formula:
Loan amount = deposit balance of the borrower's provident fund × deposit time coefficient × deposit balance multiple
Specifically, for individuals and families, there are corresponding formulas for calculating the single loanable amount:
For families with two or more employees who meet the housing provident fund loan conditions, the loan amount = (the borrower's provident fund deposit balance+* * * with the borrower's provident fund deposit balance) ×20 times× deposit time coefficient (the upper limit is 700,000 yuan);
Single employee family loan amount = borrower's provident fund deposit balance ×20 times× deposit time coefficient (upper limit: 400,000 yuan).
Chengdu housing provident fund loan process procedures 3 Chengdu housing provident fund loan conditions
1, a natural person with full capacity for civil conduct, who does not exceed the statutory retirement age stipulated by the state, pays the housing provident fund in the housing provident fund management center;
2. Employees with permanent residence or valid residence identification;
3. At the time of application, the housing provident fund has been continuously and normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the proposed house purchase, and there is no balance of provident fund loans;
4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the specified proportion of the value of the purchased housing;
5. Have a relatively stable economic income, have the corresponding loan repayment ability, and have good personal credit;
6. Can provide the guarantee recognized by Chengdu Housing Provident Fund Management Center;
7. Other conditions stipulated by Chengdu Housing Provident Fund Management Center.
Repayment method
Central provident fund loans (including central provident fund loans in portfolio loans) adopt the method of "direct repayment of principal and interest", while other loans adopt the method of "fixed withdrawal".
"Withdraw loans on a monthly basis"
"Monthly repayment" refers to the monthly repayment business in which employees apply for housing loans and sign a monthly repayment agreement with the center, entrust and adopt the method of "direct repayment of principal and interest" or "fixed withdrawal" and use the provident fund to repay the principal and interest of loans on a monthly basis.
"straight at principal and interest"
Answer: "Direct repayment of principal and interest" means that the principal and interest of the central provident fund loan that should be repaid in the current period are directly deducted from the balance of the contracted employees' provident fund account, and the insufficient part is deducted from the repayment account.