1. What is a housing provident fund loan?

Housing provident fund loans refer to loans issued by the housing provident fund management center to employees who pay housing provident fund for the purchase, construction, renovation and overhaul of their own houses.

Second, the conditions for applying for housing provident fund loans

1, where the applicant works and I have paid the housing accumulation fund in full and on time for one year;

2, a stable economic income and the ability to repay the loan principal and interest;

3. There is a legal and valid contract or agreement to purchase self-occupied housing within one year, and the down payment is not less than 20% of the total price of the purchased housing;

4. Agree to use the purchased house or the assets recognized by the center as collateral, or the guarantor with sufficient compensation ability shall provide guarantee and joint liability.

Three, the amount, duration and interest rate of housing provident fund loans

(1) Maximum amount: 400,000 yuan.

1. Taking the family as a unit, both husband and wife can withdraw the housing provident fund loan up to 400,000 yuan, and one husband and wife can withdraw the housing provident fund loan up to 300,000 yuan.

2, the purchase of commercial housing, housing area of less than 90m2 in Xing Tao, the down payment shall not be less than 20%; The down payment for housing with an area of more than 90m2 in Xing Tao is not less than 30%; Other housing down payment shall not be less than 30%.

3. Taking the family as a unit, the second time to use the housing provident fund loan to buy a house, the original loan has been paid off, the down payment is not less than 60%, and the loan interest rate rises10%; Do not issue the third set of housing provident fund personal loans.

4. The loanable amount should be comprehensively determined according to the purchase amount, the disposable income of employees' families, the borrower's working years, the monthly deposit amount of housing provident fund and other factors.

(2) Maximum service life: 30 years.

The borrower's loan period should be controlled within the retirement age in principle.

(3) Loan interest rate: 1 to 5 years (including 5 years), the annual interest rate is 4.0% (the monthly interest rate is 3.333 ‰); The annual interest rate for more than 5 years is 4.5% (the monthly interest rate is 3.75 ‰); The interest rate of the second loan went up 10%. The future will change with the adjustment of national interest rates.

Four, housing provident fund loans should provide information

(1) Borrower information:

1. Fill in two loan application forms;

2, the borrower couple (or * * * and the applicant) occupation and income certificate (2 originals);

3, the borrower couple (or * * * with the applicant) ID card, residence booklet or other valid proof of residence and two copies of the original;

4. The original and two copies of the borrower's marriage certificate and divorce certificate, and two copies of the single unmarried certificate and personal statement.

(2), the purchase and construction of housing information:

1. Purchase of commercial housing:

(1) The original and two copies of the legal and valid house purchase contract (original);

(2) The original and two copies of the down payment voucher and bank payment receipt (or credit card receipt).

2. Buy a second-hand house:

(1) The original and two copies of the stock house sales contract;

(2) The original and two copies of the certificate of custody of the transaction funds of Chuzhou Stock House;

(3) The original and two copies of the trust agreement for the transaction funds of Chuzhou Stock House;

(4) The original and two copies of the seller's ID card, household registration book and marital status certificate;

(5) The original and two copies of the Buyer's real estate license.

3. Self-built housing:

(1) The original and two copies of the planning permit;

(2) The original and two copies of the land use certificate;

(3) Two originals and two copies of the construction contract.

Precautions:

1. The borrower and his/her spouse (or * * * and the applicant) must personally sign the Application Form for Housing Provident Fund Loan at the center manager; * * * The same borrower can only be a spouse or one of the property owners.

2, all materials to check the original, keep a copy;

3. All loan-related materials should be copied on A4 paper;

4. All kinds of loan forms should be filled in with pens or signature pens.