Individuals who meet the conditions of housing provident fund loans can apply for housing provident fund loans, settle the personal housing loans originally handled in the bank in advance, and achieve the purpose of converting the personal housing loans originally handled in the bank into provident fund loans.

I. Conditions for applying for a loan

1. Both the borrower and the counter-guarantor have provident fund accounts in the provincial provident fund center, and the status is normal. Housing provident fund should be paid normally for more than 6 months (inclusive), and should be paid for at least 2 months before applying for a loan.

2. The borrower's original bank loan was used to buy a house in Changsha, and the repayment record was good. The original lending bank has no objection to the borrower's prepayment.

Problems that should be paid attention to when bank housing loans are converted into provident fund loans

3. The borrower is the borrower of the original bank loan or his spouse.

4. Employees applying for loans and their spouses comply with the relevant provisions of the credit information system management of the People's Bank of China.

5 workers' families (including themselves and their spouses) have outstanding housing provident fund loans, and bank housing loans can be converted into provident fund loans after the loans are settled. (Housing provident fund loans include the provident fund loans of this center and the provident fund loans of other centers. )

6. Workers' families who buy two suites and do not apply for housing to withdraw provident fund can apply for converting bank housing loans into provident fund loans.

2. Loan amount (loanable amount = (monthly deposit amount of housing provident fund × 12× future deposit period+personal account balance of housing provident fund) × 2; If the loanable amount is less than 200,000 yuan, the loan amount of housing provident fund shall be approved by 200,000 yuan. Employees who apply for loans with their own houses can rise by 20% on this basis. )

Not more than 80% of the transaction price of the house, not more than 80% of the appraised value of the mortgaged house, not more than the remaining principal of the original bank loan, and the amount of a single loan does not exceed 600,000 yuan.

1. Only one property under the employee's family name needs to be mortgaged (or there is a housing cancellation record). Now the bank loan applied for this house is converted into provident fund loan, and the loan amount does not exceed 80% of the transaction price of this house (the finely decorated house does not exceed 70% of the transaction price of this house), 80% of the appraised value of the mortgaged house, and the remaining principal of the original bank loan. 2. The paid-in employee family has two sets of housing, one of which has not used the housing loan or has settled the corresponding loan, and the loan amount of the other set of housing that has applied for bank mortgage does not exceed 70% of the transaction price of the housing (the finely decorated housing does not exceed 60% of the transaction price of the housing). If 70% of the appraised value of the housing and the remaining principal of the original bank loan are mortgaged, the loan interest rate will rise by 65,438+00% according to the benchmark interest rate;

3. If the paid-in employee's family has two housing cancellation records and a house needs to be mortgaged, the loan amount shall not exceed 70% of the house transaction price (the finely decorated house shall not exceed 60% of the house transaction price), 70% of the appraised value of the mortgaged house and the remaining principal of the original bank loan, and the loan interest rate shall rise at the benchmark interest rate10%;

4. Workers' families deposit two sets of houses, one of which uses personal housing commercial loans and the corresponding loans are not settled, and the loan amount of the other set applied for bank mortgage housing does not exceed 60% of the transaction price of the house, 60% of the appraised value of the mortgaged house and the low value of the remaining principal of the original bank loan, and the loan interest rate rises according to the benchmark interest rate10%;

5. Workers' families have a set of housing, but there have been three or more housing cancellation records, and then apply for bank housing loans to housing provident fund loans, which will not be handled.

Problems that should be paid attention to when bank housing loans are converted into provident fund loans

6, stop to the existing three sets (including) or buy villas, commercial and residential housing paid workers' families to issue bank housing loans to housing provident fund loans.

Third, the loan term.

The longest term is 30 years (the years of mortgaged property+loan application shall not exceed 30 years, of which the years of mortgaged property shall not exceed 15), which can be extended by 5 years on the basis of the statutory retirement age (65 years for men, 60 years for women, 65 years for senior technicians and 65 years for women cadres at or above the division level).

Four. Repayment requirement

The borrower opens a repayment account in the entrusted bank designated by the Provincial Provident Fund Center: Changsha Furong Sub-branch of Shanghai Pudong Development Bank (next to the business hall of the Provincial Provident Fund Center).

Verb (abbreviation for verb) loan fee

1. House appraisal fee: 400 yuan/household.

2. If the loan is withdrawn after approval, the loan service fee will be charged 100 yuan, and the house evaluation fee will not be refunded after the house evaluation.

The loan process of intransitive verbs

The borrower should show the original ID card? (2) What is the repayment details of the personal housing loan of the bank in the past year? (3) The original loan contract and mortgage contract of the bank's personal housing loan? 4 to mortgage the house in the provident fund center.

Apply to the provincial provident fund center for a copy of the real estate license, get a copy of Form A and Form B of the Application Form for Personal Housing Provident Fund Guaranteed Loan, and then submit other relevant materials (see 7). The provident fund loan is determined by the center and the guarantee company.

Qualification, after investigating and verifying the borrower's situation, choose different ways to handle it.

(1) The operation flow of the first mode: after the approval of the provident fund loan, the borrower signs the contract related to the provident fund loan in the central business hall, and pays off the personal loan of the original bank with his own funds in one lump sum, and goes through the mortgage formalities in the real estate department after the cancellation of the real estate. After the mortgage formalities are completed, the provincial provident fund center will issue loans to the borrower's personal account.

(II) Operation flow of the second mode: After the approval of the provident fund loan, the borrower goes to the provident fund business hall to sign the contract related to the provident fund loan, sign a supplementary agreement with the guarantee company and make payment.

With a deposit of 10% of the loan amount of the provident fund, you can use your own property or the property of your immediate family to go through the mortgage formalities in the real estate department. After the mortgage formalities are completed, the provident fund management center will release the loan to the borrower's collection account.

In fact, the insufficient part is supplemented by the borrower's self-raised funds, and the original bank loan is settled. The borrower shall apply for the refund of the deposit after canceling the original property mortgage with the loan settlement certificate issued by the bank.

(III) Operation flow of the third mode: After the approval of the provident fund loan, the borrower and the counter-guarantor sign the contract related to the provident fund loan in the provident fund business hall, and sign a bank contract with Xiangcheng Guarantee Company.

Mortgage-to-housing provident fund loan phased counter-guarantee contract ",for entrusted notarization (irrevocable notarization), entrusted a city guarantee company to handle mortgage filing procedures with the provident fund center as the mortgagee, and make loans according to the provident fund.

The installment guarantee service fee of 1% shall be paid as 10% of the loan amount of the provident fund. After the loan is issued, the personal housing loan of the original bank should be paid off in one lump sum, and the property cancellation should be completed.

Assist Xiangcheng guarantee company to handle house mortgage procedures. After a city guarantee company receives the title certificate and other title certificates, the customer applies for a refund of the deposit.

Seven, the loan information to be submitted.

1. Personal housing provident fund secured loan application form? Table B, the original purchase contract (the second-hand house sales contract must be filed by the Real Estate Bureau) and a copy (the original will be returned after the transaction is completed).

2. The original and photocopy of the Guarantee Loan Contract and Mortgage Contract of the loan bank (the original shall be returned after being processed).

Problems that should be paid attention to when bank housing loans are converted into provident fund loans

3. List of remaining principal of the original loan bank (stamped with the official seal of the original loan bank).

4. The borrower's repayment record certificate issued by the original lending bank 1 copy (stamped with the official seal of the banking business) and the property certificate to be mortgaged 1 copy.

5. Form A and Form B of the Application Form for Guaranteed Loan of Individual Housing Provident Fund shall be filled in, stamped and pasted with the following materials as required:

(1) Two copies of the ID card of the borrower's husband and wife, and one copy of the household registration book of the husband and wife and their children. If the household registration cannot prove the relationship between children, another proof of the relationship between children (one-child certificate, birth certificate, etc.) shall be provided. ) should be provided;

(The above answers were published on 20 15-07- 10. Please refer to the current actual purchase policy. )

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