Shaoxing provident fund loan process steps, Shaoxing housing provident fund loans are based on households, the maximum amount of provident fund loans for dual-employee families is 800,000 yuan, and that for single employees is 600,000 yuan, and the loanable amount is not higher than 80% of the transaction price of the house. Shaoxing provident fund loan process steps.

Shaoxing provident fund loan process steps 1 loan process

(1) Consultation of loan applicants

The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

(two) the loan applicant to the loan handling department for preliminary examination and related evaluation.

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 according to the provisions of the need for personal credit evaluation of the loan applicant, the loan applicant shall sign a letter of credit evaluation under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment to the assessment agency designated by the housing provident fund management center.

(3) The loan applicant waits for telephone notification.

1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.

2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.

(4) The loan applicant signs relevant contracts.

1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

(5) Bank loans

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

(6) Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.

The employees who have paid the provident fund in the second step of Shaoxing provident fund loan process can apply for provident fund loans if they meet the following conditions:

1. Have a local account (including temporary residence permit and residence permit);

2. Withdraw the housing provident fund for more than six months according to the minimum ratio stipulated in the Regulations of the State Council on the Management of Housing Provident Fund;

3. Have stable economic income, good personal credit and the ability to repay the principal and interest of the loan;

4. Purchase, construction, renovation and overhaul of individual owner-occupied housing, with relevant materials and certificates;

5. Agree to use the house purchased, built, renovated or overhauled as collateral for the loan, and go through other relevant procedures;

6. If both husband and wife can normally pay the housing provident fund in full, either husband and wife can apply for a provident fund loan; If only one party pays the housing provident fund normally, it must be applied by the depositor; * * * If a property applies for a loan, the owner of the property must be the borrower's spouse or the borrower's immediate family;

7. Second-hand housing loans, applicants must apply for provident fund loans within 3 months after the completion of housing transactions;

8. Applicants must abide by other relevant credit policies and regulations promulgated by the Center.

Materials required for housing provident fund loans

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

The third step of Shaoxing provident fund loan process: How to determine the amount of Shaoxing provident fund loan?

Shaoxing housing provident fund loans are based on households. The maximum amount of provident fund loans for dual-employee families is 800,000 yuan, and the maximum amount for single employees is 600,000 yuan. However, in reality, the loan amount may not be so high. How is the loan amount of Shaoxing provident fund determined? The following is a detailed introduction for you.

1, the benchmark amount of household loan = (the average monthly balance of the applicant's housing provident fund account in the past 12 months+* * is the same as the average monthly balance of the applicant's housing provident fund account in the past 12 months) × In which: the average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months when applying for a loan (excluding the one-time payment for nearly 12 months); if it is less than 12 months, it shall be calculated according to the actual number of months;

The multiple shall be controlled between 10- 15 times, and each sub-center shall determine a multiple within the range of 10- 15 times, which shall be implemented after being approved by the city center. At the same time, the center comprehensively evaluates the loan applicant and the applicant's deposit amount, repayment ability, credit situation and real estate market risk, and determines their loanable amount.

2. The monthly repayment amount of the housing provident fund loan shall not exceed 60% of the sum of the monthly salary base of the loan applicant and the applicant.

3. When purchasing a commercial house, the loanable amount shall not be higher than 80% of the transaction price of the house.

4. When buying a "second-hand house", the loanable amount shall not be higher than 80% of the house price (in principle, the house price shall be the lowest of the deed tax payment price and the transaction price. If the transaction price of the house is significantly higher than the normal transaction price of similar houses in the region, the housing provident fund management center may entrust an appraisal company to evaluate the house price, and the expenses shall be borne by the housing provident fund management center. The house price shall be subject to the lowest of the evaluation price, deed tax payment price and transaction price).

5. Newly built or rebuilt houses shall not be higher than 70% of the project cost, and overhauled houses shall not be higher than 50% of the project cost.

6, not higher than the maximum amount stipulated by the municipal housing provident fund management committee.

7. The loan amount calculated in different ways should be determined according to the principle of low.

8, the implementation of the secured loan policy, the city's secured loan amount shall not be less than 654.38+ ten thousand yuan. Among them, the urban area (including Keqiao District and Shangyu District) guarantees 6,543,800 yuan+5,000 yuan.