First, the loan object and conditions
(a) individuals who have paid the housing provident fund in full and on time for more than one year and have full capacity for civil conduct;
(two) in the city towns have applied to the provident fund center for loans to buy housing under construction;
(3) Having a proper occupation and stable economic income, having the ability and willingness to repay the principal and interest of the loan on schedule, and having a good credit standing;
(4) Having a registered, legal and valid commercial housing sales contract;
(5) Having self-raised funds not less than 20% of the total purchase price;
(six) agreed to use the purchased housing as collateral;
(seven) agreed to apply for housing guarantee;
(eight) other conditions stipulated by the provident fund center.
Second, the information needed to apply for a loan
(1) Identity cards and household registration books (or other valid residence certificates) of the borrower and property owners (including spouses);
(2) A legal and effective commercial housing sales contract;
(three) has paid no less than 20% of the total purchase price of self-raised funds;
(4) proof of income of the borrower and spouse;
(five) proof of the marital status of the borrower and the property owner (including single certificate);
(six) other information required by the provident fund center.
★ Two copies of the above materials shall be provided (unified as A4 standard), and the original shall be brought for inspection when applying for and signing the contract.
Three. Loan amount, term and interest rate
(1) Loan amount
1, maximum limit
The maximum loan ratio of individual provident fund loan is 80% of the total house purchase price, of which the maximum loan fund of individual provident fund does not exceed 400,000 yuan, and it does not exceed 1.5 times (600,000 yuan) after participating in the loan.
2. Loan amount
The actual loanable amount of the borrower must meet the following conditions:
(1) Total personal loan of provident fund = sum of monthly income of the borrower *50%* loan period (month)
(2) Loan amount of housing provident fund in individual provident fund loan = sum of balance of housing provident fund account of borrower and spouse *25
(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); The building area exceeds 144 square meters. The down payment ratio shall not be less than 40% (inclusive).
The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.
(2) loan term
The longest loan period of personal provident fund loans is not more than 30 years, and the longest repayment maturity period is 10 year after the borrower's statutory retirement age.
(3) Loan interest rate
According to the current personal loan interest rate of housing provident fund stipulated by the People's Bank of China, and adjusted with the adjustment of national interest rate.
Fourth, personal procedures.