Changchun provident fund loan conditions include:
1. The borrower and * * * the same borrower have legal and valid identity documents;
2. The borrower and the borrower have full capacity for civil conduct;
3. The borrower or the borrower has the ability to repay the loan principal and interest;
4. The borrower and * * * the same borrower are the owner of the self-occupied house and have relevant supporting documents, and pay the down payment for the house purchase according to the specified proportion;
5. The borrower must open an individual housing provident fund account and deposit it continuously for 12 months or more; When applying for a provident fund loan, its individual housing provident fund account should be in a normal deposit state; From the date of applying for the provident fund loan, it is estimated that the housing provident fund must be paid in full for 12 months;
6. The development enterprise of the real estate purchased by the borrower has signed a provident fund loan cooperation agreement with the center;
7. The borrower and the borrower meet other conditions stipulated by the state and the housing provident fund management committee.
The maximum amount of individual housing loans of Changchun urban area and counties (cities, districts) and railway housing provident fund is as follows:
1. Changchun: 900,000 yuan for the same borrower and 600,000 yuan for the same borrower. (Implemented by stages until February 3, 20221)
2. Gongzhuling City, Shuangyang District of Changchun City and Jilin City: 650,000 yuan for the same borrower and 500,000 yuan for the same borrower.
3. Tonghua City: 550,000 yuan for the same borrower and 400,000 yuan for the same borrower.
4. Jiutai District, dehui city, yushu city, Nong 'an County, Siping City, Baicheng City and Tumen City: 450,000 yuan for the same borrower and 300,000 yuan for the same borrower.
Under the premise that the applicable amount does not exceed the maximum amount of a single loan, the first loan is 20 times the sum of the balance of the entrusted borrower's personal account and the borrower's housing provident fund; The second loan is 20 times the sum of the borrower's personal account balance and the borrower's housing provident fund. (Implemented by stages until June 5438+February 3, 20221) This policy is applicable to employees who apply for loans in the loan handling department of Changchun Housing Provident Fund Management Center, and does not involve the relevant loan policies of local housing provident fund management centers such as Jilin, Tonghua, Siping, Baicheng and Tumen.
The loan ratio of Changchun provident fund is as follows:
1. When employees apply for provident fund personal housing loans for the first time, the minimum down payment ratio shall not be less than 20%;
2. After the borrower's family has settled the first housing provident fund loan, they can apply for a second provident fund loan;
3. For the second application for provident fund personal housing loan, the down payment ratio shall not be less than 30%, and this policy will expire on June 65438+February 3 1 day, 2022;
4. The third and above provident fund loans will not be accepted.
The loan term of Changchun Provident Fund is: the shortest loan term 1 year and the longest 30 years; The repayment age can be extended to five years after the statutory retirement age, that is, 65 years for men and 60 years for women. Interest rate: The loan interest rate is subject to the relevant regulations of the People's Bank of China and will be adjusted with the adjustment of the interest rate of the People's Bank of China. For the second application for housing provident fund personal housing loan, the loan interest rate shall be subject to the first housing provident fund personal housing loan interest rate in the same period, and this policy will expire on June 65438+February 3 1 2022.
legal ground
"Changchun Housing Provident Fund Management Center-What Conditions Can I Apply for Changchun Housing Provident Fund Loan" The borrower applying for individual housing provident fund loan shall meet the following conditions at the same time:
1. The borrower and * * * the same borrower have legal and valid identity documents;
2. The borrower and the borrower have full capacity for civil conduct;
3. The borrower or the borrower has the ability to repay the loan principal and interest;
4. The borrower and * * * the same borrower are the owner of the self-occupied house and have relevant supporting documents, and pay the down payment for the house purchase according to the specified proportion;
5. The borrower must open an individual housing provident fund account and deposit it continuously for 12 months or more; When applying for a provident fund loan, the individual housing provident fund account shall be in a normal deposit state; From the date of applying for the provident fund loan, it is estimated that the housing provident fund must be paid in full for 12 months;
6. The development enterprise of the real estate purchased by the borrower has signed a provident fund loan cooperation agreement with the center;
7. The borrower and the borrower meet other conditions stipulated by the state and the housing provident fund management committee.
Changchun local treasure-Changchun provident fund loan guide (information processing flow required for conditions)
Amount, proportion, term and interest rate of Changchun provident fund loan
Quota:
The maximum amount of individual housing loans of Changchun urban area and counties (cities, districts) and railway housing provident fund is as follows:
(1) Changchun: 900,000 yuan for the same borrower and 600,000 yuan for the same borrower. (Implemented by stages until February 3, 20221)
(2) Gongzhuling City, Shuangyang District of Changchun City and Jilin City: 650,000 yuan for the same borrower and 500,000 yuan for the same borrower.
(3) Tonghua City: 550,000 yuan for the same borrower and 400,000 yuan for the same borrower.
(4) Jiutai District, dehui city, Yushu City, Nongan County, Siping City, Baicheng City and Tumen City: 450,000 yuan for the same borrower, but 300,000 yuan for the same borrower.
Under the premise that the applicable amount does not exceed the maximum amount of a single loan, the first loan is 20 times the sum of the balance of the entrusted borrower's personal account and the borrower's housing provident fund; The second loan is 20 times the sum of the borrower's personal account balance and the borrower's housing provident fund. (Implemented by stages until February 3, 20221)
This policy applies to employees who apply for loans in the loan handling department of Changchun Housing Provident Fund Management Center, and does not involve the relevant loan policies of local housing provident fund management centers such as Jilin, Tonghua, Siping, Baicheng and Tumen.
Proportion:
Reduce the down payment ratio of loans in stages.
1. When employees apply for provident fund personal housing loans for the first time, the minimum down payment ratio shall not be less than 20%;
2. After the borrower's family has settled the first housing provident fund loan, they can apply for a second provident fund loan;
3. Apply for provident fund personal housing loan for the second time, and the down payment ratio shall not be less than 30%. This policy will expire on June 65438+February 3 1 day, 2022;
4. The third and above provident fund loans will not be accepted.
Duration:
The shortest loan period is 1 year and the longest is 30 years.
The repayment age can be extended to five years after the statutory retirement age, that is, 65 years for men and 60 years for women.
Interest rate:
The loan interest rate shall be implemented in accordance with the relevant provisions of the People's Bank of China and adjusted with the interest rate adjustment of the People's Bank of China. For the second application for housing provident fund personal housing loan, the loan interest rate shall be the same as that of the first housing provident fund personal housing loan in the same period, and this policy will expire on February 3, 2022.
2. Changchun Provident Fund Loan 2022 New Deal?
From June 65438+1 October1in 2022, the interest rate of provident fund loans in Changchun was lowered to 3. 1%.
Commercial loans, provident fund portfolio loans and family portfolio loans are postponed to 65438+February 3, 20221. It is rumored that the amount of family portfolio loans may be reduced from 900,000 to 700,000 next year.
Three, Changchun housing provident fund loan policy
Changchun housing provident fund loan policy: 1. Cancel the restrictions on the number of self-occupied houses owned by families and the purchased housing area as the conditions for applying for housing provident fund personal housing loans. Workers' families can apply for housing provident fund personal housing loans again, but the cumulative number can not exceed 3 times. 2. When employees apply for housing provident fund personal housing loans, the main borrower and the same borrower each generate 1 housing provident fund personal housing loan records. The individual housing loan record of employee housing provident fund is based on the record generated after June 65438+1October 65438+1October 2008. 3. If employees apply for housing provident fund personal housing loans for the first time or the second time to purchase new commercial housing, the minimum down payment ratio is 20%. If the employee applies for the third time, the minimum down payment ratio is 40%. 4. For employees who apply for housing provident fund personal housing loans for the first time or for the second time to purchase existing housing, the minimum down payment ratio is 20%, 30% for those who have worked for 5 years but less than 20 years, and 40% for those who have worked for 20 years. If the employee applies for the third time, the minimum down payment ratio is 40%. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within/0/5 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Four, Changchun provident fund loan conditions
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. The following are the loan conditions and process of Changchun Provident Fund.
First, Changchun provident fund loan conditions
Article 5 A borrower applying for a personal housing provident fund loan shall meet the following conditions:
(a) should be a natural person with full capacity for civil conduct;
(two) the normal deposit of housing provident fund meets the prescribed conditions;
(three) the purchase, construction, renovation and overhaul of urban self-occupied housing;
(four) have a stable income and the ability to repay the principal and interest of the loan;
(five) there are not less than the prescribed proportion of self-raised funds for the purchase, construction or overhaul of self-occupied housing. If both husband and wife of the borrower meet the above conditions, only one party is allowed to apply for housing provident fund loans.
Article 6 A borrower must provide a guarantee when applying for a personal housing provident fund loan. The guarantee methods include: taking the purchased self-occupied house, self-owned house or house owned by a third person as collateral; Or pledge the securities recognized by Changchun Provident Fund Management Center; Or a legal person, other organization or natural person capable of paying off debts on its behalf. The specific loan guarantee method is determined by Changchun Provident Fund Management Center according to different loan types. The relevant expenses arising from providing loan guarantee shall be borne by the borrower.
Article 7 If the borrower uses the purchased owner-occupied house as collateral for the loan, it must use the full value of the house as collateral for the loan.
Second, Changchun provident fund loan process
Article 11 When applying for a loan, a borrower shall submit the following materials:
(a) loan application;
(two) proof of housing provident fund deposit;
(3) Identity certificate;
(4) proof of stable economic income;
(five) the purchase, construction and overhaul of owner-occupied housing contracts and other relevant certification materials;
(six) other relevant materials that need to be provided.
Twelfth Changchun City Provident Fund Management Center and the branches authorized by Changchun City Provident Fund Management Center shall, after receiving the loan application and other materials that meet the requirements, examine whether the borrower has the loan conditions, the amount and duration of the loan application. After passing the examination, notify the loan bank to sign a loan contract with the borrower, sign a guarantee contract with the guarantor, handle the mortgage, pledge, guarantee and other guarantees and related procedures, and notify the loan bank to issue loans after approval by Changchun Provident Fund Management Center.
Three, Changchun provident fund loan amount, duration
Loan amount: The maximum amount of individual housing provident fund loan shall not exceed 600,000 in principle. The average borrower's monthly repayment amount does not exceed his family income (married: both husband and wife; Unmarried: 50% of the borrower) determines the loan amount and refers to the total house price.
Term of loan: the term of housing provident fund loan is 1 to 30 years, and the term of second-hand house is 1 to 20 years, but the period from the date of loan issuance to the national legal retirement age shall not exceed 5 years (male 65 years old, female 60 years old).
(The above answers were published on 20 13- 12-04. Please refer to the actual situation for the current purchase policy. )
Comprehensive and timely real estate information, click to view.