As long as you have a railway provident fund account, go to the management bank where the provident fund is located and apply for a loan with your house purchase contract. The upper limit of provident fund loans is generally based on the house price, and the upper limit is 40%. As for whether your provident fund has repayment ability, it depends on your own income level. If the provident fund can reach your monthly repayment amount (I have calculated it for you above), you can deduct it automatically every month without any impact on your daily life. If it is not enough, you need to supplement some cash repayment.

I hope I can help you, and I wish you an early move into your new house.

2. What is the loan process of Luoyang Railway Provident Fund? Please enlighten me.

As long as you have a railway provident fund account, go to the management bank where the provident fund is located and apply for a loan with your house purchase contract. The upper limit of provident fund loans is generally based on the house price, and the upper limit is 40 depending on your own income level. The repayment amount (which I calculated for you above) can be deducted automatically every month, and it will not have any impact on daily life. If it is not enough, you need to add some cash to repay it. I hope I can help you, and I wish you an early move into your new house.

Third, what is the policy of railway provident fund providers to change to provident fund?

1.

Further clarify the object of corporate loans. It is clear that the object of the commercial-to-public loan is only the main borrower of the original commercial loan, that is, only the main borrower of the original commercial loan has paid the housing provident fund can the commercial-to-public loan be handled. On the other hand, if the main borrower of the original commercial loan has not paid the housing provident fund and his spouse has paid the housing provident fund, he cannot apply for the commercial loan.

2.

Further clarify the guarantee of business to public loans. It is also agreed that the guarantee institution recognized by the provident fund center will provide the public with the guarantee of the loan, in order to prevent the risk of hanging the collateral of the loan to the public.

3.

Further clarify the types of commercial loans to the public. Commercial loans in housing provident fund portfolio loans cannot be converted from commercial loans to corporate loans, with special emphasis on the fact that the original commercial loans cannot be converted into housing provident fund portfolio loans; If the original commercial loan housing is purchased jointly, it is not allowed to apply for a business-to-public loan (except for the joint purchase of a house due to marriage); Mainly to prevent the problem that loan mortgage is difficult to implement.

4.

The regulator initiated a suspension mechanism for the transfer of loans to the public.

Fourth, the railway provident fund loan process, you have to understand this knowledge.

Railway provident fund loan is also a kind of provident fund loan, but the target group is mainly railway workers, and the management organization is different from another kind of provident fund, which is the railway department. So, what are the loan conditions of railway provident fund? What is the process? Presumably, everyone has a lot of questions about this. Today, Bian Xiao will share relevant knowledge with you.

Like the relevant provisions of local provident fund loan application, railway provident fund loans also have certain requirements. Only when the following conditions are met can you apply for a loan.

The railway provident fund loan conditions are as follows:

1. The borrower and spouse have no outstanding housing provident fund loans, and there are no outstanding debts that may affect the repayment of provident fund loans;

2. Employees hold legal identity documents and have full capacity for civil conduct;

3. Agree to provide guarantee by mortgage loan of purchased house, or by national debt, bank time deposit certificate, securities and other means recognized by railway sub-centers;

4. The railway system self-management house purchased by employees is a first-hand house with clear ownership and complete legal procedures.

5 have a stable economic income and the ability to repay the principal and interest of provident fund loans on time;

6. The employees and their spouses have good credit records, which meet the auditing standards for provident fund loans.

Then, what is the loan process of railway provident fund? Today, Bian Xiao will share it with you.

The specific process of railway provident fund loans is as follows:

1. Submit a written loan application and related materials.

After determining the eligibility of railway provident fund loan, submit the loan application and the required information. You can apply directly to the relevant departments or hand it over to the bank.

2. Sign loan contracts and guarantee contracts.

If the application is passed, the loan contract and guarantee contract will be signed next. At this time, you may need to open a bank card of the relevant bank.

3. Handle mortgage loans and other related procedures.

Next, you need to go to the bank for mortgage registration, contract notarization and home insurance. These processes can be done according to the requirements of the staff, and the difficulty is not great.

4. Open an account and transfer money

The bank will open an account according to the contract requirements and transfer the loan funds to a special account.

5. Repay as promised

According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the bank to deduct money by stages or go to the bank counter to repay the principal and interest of the provident fund loan on schedule.

6. Loan settlement

The bank issues the Loan Settlement Certificate for the borrower, and the borrower retrieves the mortgage registration certificate and other documents, and goes to the original mortgage registration department for mortgage registration cancellation.

The above are the requirements and loan process of railway provident fund loan shared by Bian Xiao. There may be various minor problems in the actual loan process, which need to be solved patiently.

(The above answers were published on 20 15- 12-28. Please refer to the actual purchase policy. )

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