What are the application conditions for provident fund decoration loans in Shanghai? I believe many friends are more concerned about this issue. Now I will introduce it to you, hoping it will be helpful to everyone. Provident fund decoration loan is one of the policy-based low-interest housing loans provided by the state for employees. It refers to borrowers who pay housing provident funds in full and on time for the purpose of family home decoration. The borrower... Want to know more about Follow me to find out what conditions are required to apply for housing provident fund decoration in Shanghai. What are the application conditions for provident fund decoration loans in Shanghai? I believe many friends are more concerned about this issue. Now I will introduce it to you, hoping it will be helpful to everyone. Provident fund decoration loan is one of the policy-based low-interest housing loans provided by the state for employees. It refers to a borrower who pays housing provident fund in full and on time for the purpose of family home decoration and for which the borrower or a third party has ownership or legal rights. The property and rights disposed of by the borrower are used as collateral or pledges, or a third party provides guarantee for the loan and assumes joint liability for the loan. As a type of provident fund loan, its biggest role is to better solve the housing problem of the masses.

1. What are the application conditions for housing provident fund renovation loans in Shanghai? 1. The borrower must have a permanent urban residence or valid residence status in this city; 2. From the date of application forward, the housing provident fund must be paid continuously and in full. More than 12 months (if both husband and wife have paid provident fund, only one person is allowed to take out a loan); 3. Have contracts (agreements) and related materials for house purchase, construction, and overhaul of self-occupied houses that comply with legal provisions; 4. Have a certain proportion of self-financing funds. For purchasing commercial housing or affordable housing, the self-raised funds shall not be less than 20% of the total house price (for purchasing second-hand houses or building or overhauling houses, the self-raised funds shall not be less than 30% of the total house price); 5. Have stable economic income, Have the ability to repay the principal and interest of the loan (monthly income certificate issued by the employer); 6. Agree to use the purchased house or self-owned house with full ownership or a third-party house as a mortgage, or use securities recognized by the lending bank, bank The time deposit certificate is pledged, or a legal person, organization or third party recognized by the lending bank provides guarantee.

2. Shanghai provident fund decoration loan application materials: 1. Identity certificate of the borrower and spouse (ID card, household register, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorced certificate issued by the unit) Proof of remarriage, etc.); 2. Materials proving stable economic income (certificate of unit salary income, etc.); 3. Proof of payment of housing provident fund; 4. House purchase contract and agreement signed with the selling unit (if you build a self-built house, you need to provide land , approval document from the planning department); 5. The loan application approval form completed by myself and my spouse ***; 6. There must be receipts for the house payment (down payment) of no less than 20% of the total house price (purchase of private property, construction, overhaul For self-occupied housing, a certificate of self-raised funds of no less than 30% of the total house payment is required); 7. A list of pledge rights and ownership certification documents issued by the borrower (or a written commitment issued by the guarantor agreeing to provide guarantee).

3. Shanghai provident fund decoration loan application process: Application. Go to the Provident Fund Management Center to get the "Housing Provident Fund Decoration Loan Application Approval Form", fill in the form and prepare relevant materials to determine the loan amount; for approval. The Housing Provident Fund Management Center examines and approves submitted applications. The most important thing is to examine and approve the authenticity of the decoration contract and various materials. Sign a loan contract. After approval, the Housing Provident Fund Management Center will notify the borrower to sign a loan contract with the bank. And handle relevant procedures such as contract notarization and mortgage insurance. guarantee. Determine collateral, guarantor, etc. Bank lending. Monthly repayments. The above is the relevant information I have compiled for you. In daily life, we should understand some commonly used legal knowledge, so that we can use legal knowledge to protect our rights when we need help.