Housing provident fund loan is a national policy loan, which refers to the borrower's timely and full payment of housing provident fund in accordance with the Regulations on the Administration of Housing Provident Fund. When buying a self-occupied house, he applies for a housing loan with housing provident fund as the source of funds with the purchased house or other property with ownership as collateral or movable property and rights as pledge.

2. What are the requirements for applying for housing provident fund loans?

1, a natural person with full civil capacity, stable economic income and loan repayment ability, and good personal credit status;

2. The borrower and the unit have established the housing provident fund system, and the housing provident fund has been paid in full at the time of loan for not less than the specified time, and the housing provident fund loan has not occurred or has been paid off in full;

3. There is a legal purchase contract or agreement, and the borrower shall be the property owner agreed in the purchase contract. The purchased houses are newly-built commercial houses, affordable housing, units raising funds to build houses, resettlement houses for shantytown renovation, existing commercial houses (second-hand houses), self-built houses built by employees, renovated houses, and overhauled self-occupied houses. (excluding commercial housing, villas, low-density housing, etc.). ) within the administrative area of this Municipality;

4. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;

5. If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.

3. Which banks in Jinan can handle housing provident fund loans at present?

At present, Jinan Housing Provident Fund Management Center has entrusted ICBC, China Construction Bank, Agricultural Bank, China Bank, Bank of Communications, China Merchants Bank, Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Everbright Bank, Qilu Bank, Huaxia Bank, Minsheng Bank and Ping An Bank to handle housing provident fund loans, with more than 270 loan outlets.

Fourth, the provident fund loan process

(1) Loan process for purchasing commercial housing housing provident fund

The purchased commercial house shall be the mortgaged property recognized by the Economic South Housing Provident Fund Management Center. The specific process is as follows:

① The borrower applies to the bank and provides loan materials; ② The bank accepts and conducts preliminary examination; ③ The loan materials shall be audited by the management center; (4) the loan materials are approved; The center issues a notice of entrusted loan; ⑤ Sign loan contracts and issue housing provident fund loans.

(2) Loan process of purchasing second-hand housing provident fund

① The borrower applies to the bank and provides loan materials; ② The bank accepts and conducts preliminary examination; ③ The loan materials shall be audited by the management center; 4 approval; Issue a confirmation letter of personal housing provident fund loan business; The mortgage registration formalities have been completed; ⑤ The bank returns his right certificate; The center issues a notice of entrusted loan; ⑤ Sign loan contracts and issue housing provident fund loans.

(3) the process of raising funds to build housing provident fund loans

(1) the unit to the provident fund center to apply for loans; ② After the Center signs an agreement with the unit, the borrower provides loan materials to the handling bank; ③ The bank accepts the loan materials and conducts preliminary examination; (4) management center audit loan materials; ⑤ Approval; The center issues a loan entrustment notice; ⑤ Sign loan contracts and issue housing provident fund loans.

(4) The process of purchasing provident fund loans for shantytown resettlement houses.

① The borrower applies to the bank and provides loan materials; ② The bank accepts and conducts preliminary examination; ③ The loan materials shall be audited by the management center; (4) the loan materials are approved; The center issues a notice of entrusted loan; ⑤ Sign loan contracts and issue housing provident fund loans.

5. What materials should be provided for the commercial housing provident fund loan?

The Borrower shall provide the original and duplicate copies of the following materials to the entrusted bank, one of which shall be submitted to the Provident Fund Center by the entrusted bank:

(1) Approval Form for Personal Housing Loan Application of Jinan Housing Provident Fund Management Center;

(2) Details of the deposit of the housing provident fund of the borrower and the repayment person;

(3) Resident ID card, household registration book, repayment commitment letter, mortgage consent commitment letter and guarantee letter of the borrower and * * * borrower and guarantor;

(4) proof of marital status;

(5) Commercial housing purchase contract;

(6) Effective proof that the borrower has paid the house purchase price of not less than the specified proportion;

(7) Personal credit certificates provided by the borrower, the borrower and the guarantor;

(8) Proof of family property inquiry issued by the real estate management department;

(9) Other materials required by the provident fund center from the borrower.

6. What materials should be provided for the second-hand housing provident fund loan?

1. In addition to providing the entrusted bank with the materials needed for commercial housing provident fund loans, the borrower shall also provide the original transaction property value evaluation report issued by the real estate appraisal company recognized by the provident fund center in duplicate, and the seller's ID card and property ownership certificate of the untransferred transaction property in duplicate.

2. For the stock house loan traded in accordance with the Interim Measures for Online Trading and Fund Supervision of Jinan Stock House, the original of Jinan Stock House Trading Agreement and Jinan Stock House Trading Fund Custody Agreement and the copy of the down payment voucher deposited in the bank account agreed in Jinan Stock House Trading Fund Custody Agreement shall be provided in duplicate.

7. What materials should a unit provide to raise funds to build a house and apply for a housing provident fund loan?

Fund-raising housing units and borrowers shall provide the following information in duplicate in addition to the relevant materials stipulated in the new commercial housing:

1, a copy of the approval issued by the National Development and Reform Commission for fund-raising housing projects;

2, the real estate management department issued a copy of the "employee fund-raising housing review certificate".

After the approval of the management center, the management center will sign a "guarantee contract" or "agreement" with the fund-raising housing unit.

Eight, shantytowns provident fund loans should provide what materials?

1. For the shantytown renovation project undertaken by the construction unit, the construction unit shall undertake the installment guarantee, and sign the Relocation Agreement with the relocated employees to replace the house purchase contract and the down payment receipt. The relocated workers shall provide the Relocation Agreement and relevant materials stipulated in the commercial housing provident fund loan.

2. As a shantytown renovation project built in various districts of this city, the borrower should also provide other properties as collateral for provident fund loans. In addition to the Demolition and Resettlement Agreement and the relevant materials stipulated in the commercial housing provident fund loan, the borrower shall also provide the original property value evaluation report issued by the real estate appraisal company recognized by the provident fund center on the mortgaged property in duplicate.

Other materials required by the borrower shall be implemented in accordance with the regulations of the management center.

Nine, under what circumstances should provide housing provident fund loan guarantor?

(1) The borrower applies for a loan in a different place in the province; (2) The Provident Fund Center considers that a guarantor should be provided.

X. How to determine the loan amount of housing provident fund?

2065438+On August 27th, 2005, Jinan Municipal Government held a press conference on the Implementation Measures of Jinan City (hereinafter referred to as the Implementation Measures) to inform relevant information. 10 to 15 The loan amount for purchasing owner-occupied housing for employees' families who have paid housing provident fund twice or more in six districts of the city has been increased from 500,000 yuan to 600,000 yuan (Zhangqiu, Pingyin, Jiyang and Shanghe have been increased from 400,000 yuan to 500,000 yuan). Workers' families who have paid housing provident fund to buy self-occupied housing in six districts of the city will increase the loan amount for housing provident fund from 250,000 yuan to 300,000 yuan (the purchase of self-occupied housing in Zhangqiu, Pingyin, Jiyang and Shanghe will increase from 200,000 yuan to 250,000 yuan).

(The above answers were published on 20 15-09-25. Please refer to the actual situation for the current purchase policy. )

Click to receive the red envelope for viewing the house, and directly receive 100 yuan in cash.