What are the conditions for Huizhou provident fund loan in 2022? What materials need to be provided? As can be understood,
Lender 1 over1over 8 years old, People's Republic of China (PRC) citizen and natural person with full capacity for civil conduct;
(2) When applying for a loan, the provident fund has been continuously deposited for 6 months or more and is in the state of deposit;
The lender has good repayment ability, and the monthly payment does not exceed 50% of the family income;
4. The applicant and spouse have good credit status, no serious overdue credit investigation, and no outstanding housing provident fund loans;
5. Agree and provide the approved mortgage, pledge and other guarantee methods.
Materials to be provided for Huizhou provident fund loan:
"Huizhou Housing Provident Fund Loan Application Form"; Power of attorney for inquiry of credit information system; Identity card; Household registration book; Marriage certificate, divorce certificate or people's judgment, proof of widowhood; The applicant's contribution account; The down payment of the house payment "Guangdong Province VAT Ordinary Invoice"; Commercial housing sales contract; Certificate of registration of commercial housing ownership; The seller's title certificate; Information to prove repayment ability, etc.
It should be noted that provident fund loans are divided into several situations, including pure provident fund loans, loans combining commercial loans with provident fund loans, and commercial loans converted into provident fund loans. If you want to convert your commercial loan into a provident fund loan, you need to meet other conditions on the basis of meeting the provident fund loan.
Conditions for applying for provident fund renovation loan
The lender of the provident fund renovation loan must have a permanent residence in the local town or a valid proof of residence identity;
2. To apply for provident fund, you must continuously deposit housing provident fund 12 months or more. If both husband and wife have provident fund, only one party can apply for provident fund decoration loan;
3. The provident fund renovation loan applicant must hold a contract (agreement) and related materials for the construction, purchase and overhaul of owner-occupied housing in accordance with the law;
You should have a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price. The purchase of second-hand housing or self-built housing, housing overhaul, self-raised funds shall not be less than 30% of the total price. Of course, every city may be a little different;
5. The applicant must have a stable income and the ability to repay the principal and interest of the loan. Generally, the unit needs to issue a certificate of income;
6. The applicant agrees to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or legal persons, organizations or third parties recognized by the loan bank can provide guarantee.
Matters needing attention in decoration of provident fund loan
1. If you really need to decorate the stool at home, you can go to the local Ziyi and go through the relevant formalities with some home security guards.
2. If someone can't sign the property right certificate on the spot, it is necessary to entrust notarization, which will entrust the mortgage and loan handling right of the house to others.
3. Require the balance in the provident fund account of the main lender to be sufficient, usually more than 1/40 of the loan amount, and have been deposited continuously for 6 months. The processing cost of dates and plums with insufficient balance may increase.
Can the newly bought house in Huizhou be decorated with Shenzhen housing provident fund loan?
Yes, this situation belongs to the off-site provident fund loan.
The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
Loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;
Employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;
After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;
During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;
In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.
Materials required for applying for provident fund loans:
Commercial housing sales contract (original 1 copy);
Household registration book (home page, household registration book home page and personal page) and marriage certificate (1 original marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse;
Unmarried certificate of unmarried persons (1 original inspection);
Marriage certificate is required for singles (original 1
);
Bank personal settlement account passbook (2 copies, original inspection);
Down payment voucher (1 original inspection);
The applicant's valid identity certificate (2 originals must be received and printed on the front and back);
Spouse ID card (copy 1 original to be inspected).
Can the provident fund be used for decoration loans?
Of course.
The provident fund can be renovated by loan, and the following conditions need to be met:
1. Generally, the area of the house to be renovated is 70_, and the age of the house is within 15.
2. The general provident fund renovation loan limit is 1 1,000 yuan/_, which may be relaxed to about 2,000 yuan/_ again in the future.
3. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. In the short term, owners who need to buy houses should not easily make provident fund decoration loans.
4. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After getting the loan, don't take all the money in the account, and leave a repayment limit of at least two months to avoid repayment default.
Matters needing attention in using provident fund loans
Repayment method of provident fund: Different cities have different repayment methods. Generally speaking, there are three ways: average capital (large repayment amount in the first month, and then decreasing once a month), equal principal and interest (same repayment amount every month), and free repayment. You can also apply for provident fund repayment, that is, entrust the bank to withdraw the balance in the provident fund account to repay the loan.
Prepayment: If prepayment is to be considered, according to the relevant provisions of provident fund loans, it must be made after one year of repayment, and the amount of prepayment must exceed six months of repayment.
For the above contents, please refer to People's Daily Online-Can I apply for a housing provident fund loan for housing renovation?
There are so many loans for the renovation of Huizhou provident fund.