First, the interest rate of teachers' provident fund loans to buy houses
1, teacher provident fund interest rate
Type of fixed interest rate
house
Provident fund for less than five years (including five years) 2.75%
More than five years, 3.25%
2. Commercial loan interest rate
Type of fixed interest rate
Six-month short-term loan 4.35%
Six months to one year 4.35%
medium-to-long term
The interest rate for one-year to three-year loans is 4.75%.
Three to five years 4.75%
More than five years, 4.90%
Second, teachers provident fund loans to buy conditions
1. Teachers have paid the housing provident fund in full for more than 6 months;
2. The maximum amount of personal loans for teachers is 500,000 yuan, and the amount of family loans is 900,000 yuan;
3. Housing provident fund loan 12 times the balance of the provident fund account;
4. The monthly loan amount of housing provident fund cannot be higher than 50% of the deposit base of housing provident fund.
Three, teachers provident fund loans to buy teaching materials
1. Proof of payment of housing provident fund for teachers and spouses;
2. Personal identification of teachers and spouses;
3. Marriage certificate;
4. Proof of family or individual income;
5. Valid certificates such as purchase contract and agreement;
6. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;
7. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor * * sign a tripartite contract.
Fourth, the process of buying a house with teachers' provident fund loans
1, first trial
The staff of the Housing Provident Fund Management Center conducted a preliminary review of the materials submitted by the teachers, including application qualifications, loan amount and loan term.
Step 2 evaluate
After the teacher passed the preliminary examination, the housing provident fund management center issued the Notice of Collateral Audit and Evaluation for the applicant, and the teacher went to the designated place to evaluate the house value with the Notice of Collateral Audit and Evaluation.
Step 3 review
Teachers apply for loans to the housing provident fund management center with the "Evaluation Report" and related materials issued by the evaluation agency.
4. Go through the guarantee formalities
Teachers should reasonably choose the guarantee method according to their own situation.
5. Sign a loan contract
6. The bank lends money within the time stipulated in the contract.
7. The teacher shall repay the loan principal and interest at the time stipulated in the contract.
Tip: The maximum amount of personal loans for teachers is 500,000 yuan, and the amount of family loans is 900,000 yuan.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.