Xi Personal Housing Provident Fund Loan Business Guide
The length is long, and readers are advised to read page by page:
1. Applicant's conditions, application materials, down payment ratio and loan amount.
2. Loan term interest rate, loan cost, loan repayment, early repayment and change of repayment person.
3. Repayment method, information, application information and repayment printing.
First, the object and conditions of individual housing provident fund loans
Individuals who have paid the housing provident fund in full and continuously every month for more than a specified period of time (currently 12 months) and have full capacity for civil conduct can apply for personal housing provident fund loans when purchasing self-occupied ordinary housing. For those who have paid the housing provident fund in different places and the current deposit place does not meet the prescribed time limit, after the transfer is completed, the deposit time can be calculated according to the deposit certificate or deposit details issued by the housing provident fund management center of the original deposit place.
Two, employees to apply for personal housing provident fund loans should also meet the following conditions:
(1) Holding valid identity documents;
(two) a stable income, good credit, the ability to repay the principal and interest of the loan;
(three) the purchase of housing, must have a contract or agreement to buy housing according to law. Married couples must sign;
(4) The borrower shall be the purchaser. If the purchaser purchases jointly by parents, children or relatives and friends, it will not be accepted;
(five) the purchase of housing, should first pay not less than the prescribed proportion of the purchase price;
(six) guarantee according to the agreement between the provident fund center and the entrusted bank;
(seven) there is no outstanding personal housing provident fund loan principal and interest when applying for personal housing provident fund loans;
(eight) other conditions stipulated by laws, regulations and rules.
Information to be provided for applying for individual housing provident fund loans
Three, the borrower to apply for personal housing provident fund loans need to provide information:
(a) the original and photocopy of the identity certificate (resident identity card or other valid documents) of the borrower and spouse;
(2) The original and photocopy of the borrower's marriage certificate;
(3) The original legal purchase and sale contract;
(4) Original and photocopy of the down payment voucher for house purchase;
(5) Proof that the borrower and spouse have stable income and the ability to repay the loan;
(six) the original credit report of the borrower and spouse;
(7) Seal of the borrower and spouse (in words × cm);
(eight) other relevant information:
1. Proof and details of the deposit and use of housing provident fund for employees with off-site loans (provided by employees with off-site deposits).
2. Proof of employment relationship and labor contract (provided by employee representatives)
3. Real estate license or immovable property certificate (provided by second-hand houses).
4. Other information (provided as appropriate).
Four, personal housing provident fund loans down payment ratio
For the first time, the paid employees' families use the personal housing provident fund loan to purchase self-occupied housing, and the down payment ratio within144m2 (inclusive) is not less than 20%, and the down payment ratio above144m2 is not less than 25%; After the first individual housing provident fund loan is settled, the down payment ratio of the house purchase area within144m2 (inclusive) shall not be less than 25%; /kloc-the down payment ratio of the purchase area above 0/44m2 shall not be less than 30%; The third and above individual housing provident fund loan applications will not be accepted.
The down payment ratio for the purchase of finely decorated houses is the same as above. The down payment ratio of portfolio loans should meet the down payment ratio requirements of both commercial loans and personal housing provident fund loans.
Determination of the total house price: the first-hand house is subject to the online shopping contract; The second-hand housing price is determined by the lowest price between the housing appraisal price and the actual transaction price.
Five, individual housing provident fund loan amount
The amount of a single loan shall not exceed the maximum loan amount stipulated by the Xi Housing Provident Fund Management Committee. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 650,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 850,000 yuan.
The monthly repayment of loan principal and interest of individual housing provident fund loans shall not exceed 50% of the sum of the deposit bases of borrowers and spouses. If the borrower's spouse fails to pay the provident fund, it shall be calculated according to his monthly income, and a bank statement or tax payment certificate that can prove the effective income shall be provided.
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