Objects and conditions of individual housing provident fund loans Employees with full capacity for civil conduct can apply for individual housing provident fund loans if they pay the housing provident fund in full 12 months or more every month to buy self-occupied ordinary housing. If the deposit of housing provident fund in different places and the deposit of housing provident fund in the current residence is less than 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 original housing provident fund management center. Employees applying for individual housing provident fund loans shall 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, housing purchase contracts or agreements must comply with the law. If married, it must be signed by both husband and wife; (4) The borrower shall be the purchaser of the house. If the buyer buys a house with parents, children or relatives and friends, it will not be accepted; (five) the purchase of housing, should have paid a down payment of not less than the prescribed proportion; (6) Agree to guarantee according to the guarantee method recognized by the provident fund center and the entrusted bank; (seven) when applying for personal housing provident fund loans, there is no outstanding personal housing provident fund loan principal and interest; (eight) other conditions stipulated by laws, regulations and rules. Information to be provided when applying for individual housing provident fund loan: (1) Original and photocopy of the identity certificate (resident ID 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; (6) The original credit report of the borrower and spouse; (7) Seal of the borrower and spouse (in block letters1.51.5cm); (8) Other relevant information: 1. Proof and details of the deposit and use of housing provident fund for employees with loans from different places (provided by employees with deposits from different places). 2. Proof of employment relationship and labor contract (provided by employee representatives) 3. Property ownership certificate or immovable property certificate (provided by second-hand houses). 4. Other information (provided as appropriate). The down payment ratio of personal housing provident fund loans is the first time that families use personal housing provident fund loans to buy self-occupied housing. The down payment ratio is not less than 20% in areas below 144 (inclusive) and not less than 25% in areas above 144; After the first individual housing provident fund loan is settled, if you apply for using the individual housing provident fund loan to purchase a house again, the down payment ratio within the purchase area 144 (inclusive) shall not be less than 25%; The down payment ratio of houses with an area above 144 shall be no 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 price of second-hand houses is determined by the lowest price between the assessed house price and the actual transaction price. Individual housing provident fund loan amount A single loan amount 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, the income shall be calculated on a monthly basis, and the bank running water or tax payment certificate that can prove the effective income shall be provided. Special circumstances of time limit and interest: female cadres at county level and female professional and technical personnel with senior titles in government agencies and institutions who have retired or delayed retirement are required to provide unit documents or explanations stamped with the official seal of the unit. Individual housing provident fund loan interest rate in accordance with the relevant provisions of the state. The interest rate of the second set of provident fund loans is 1. 1 times the interest rate of the same period. In case of adjustment of the legal interest rate within the loan term, the new interest rate regulation shall be implemented in the following year at 65438+ 10/month 1 according to the corresponding interest rate grade. Personal housing provident fund loan fee Xi housing provident fund management center does not charge any loan-related fees. Any unit or individual who collects fees in the name of Xi Housing Provident Fund Management Center may complain and report to the Provident Fund Center. The complaint telephone number is 12329. Repayment of Hedge Loan The borrower or his spouse who signed a contract with Xi Housing Provident Fund Management Center and cancelled the deposit and issuance of individual housing provident fund loans may apply for the repayment contract of hedge loan (that is, entrust the withdrawal of housing provident fund to repay individual housing provident fund loans) and terminate the contract. 2. Counter handling: apply at the loan bank. Information required for counter handling: (1) original ID card of the borrower or spouse; (2) Others need to provide the original ID card of the client, the power of attorney and the original ID card of the agent. (3) individual housing provident fund loan repayment agreement. Note: 1. The order of repayment deduction is the borrower's provident fund account balance, spouse's provident fund account balance, borrower's provident fund account balance and provident fund repayment card balance; 2. When the balance of the provident fund account is 3 times of the amount paid in the last month, it cannot be deducted. Partial repayment of loans and early settlement of loans. Apply for individual housing provident fund loan in Xi Housing Provident Fund Management Center. After the individual housing provident fund loan is issued for 6 months, the borrower or spouse may apply for full or partial repayment in advance. 2. Counter handling: apply at the loan bank. Information required by the counter (1) Original ID card of the applicant; (2) Application for prepayment of individual housing provident fund loans. Note: 1. Half a year after the individual housing provident fund loan is issued, the borrower can repay all or part of the loan in advance. 2. If the borrower or mortgagor dies or loses his capacity, he may be represented by his relatives. Provide ID card of the manager, application for prepayment of individual housing provident fund loan, relationship certificate or statement. 3 due to special reasons (such as major disasters, transactions, false loan fraud, information errors, etc.). ), the borrower needs to repay the loan in full in advance in less than half a year, and the borrower needs to apply to the loan bank. * * * When the same payer changes the deposit of housing provident fund in this center, he needs to use the balance of his own provident fund to repay the personal housing provident fund loan for his spouse or immediate family members in this center. Handling method: apply at the loan bank. Required information: 1. Original identity card of the applicant; 2. Proof of relationship (marriage certificate, household registration book, birth certificate, one-child certificate and one of the relevant certificates issued by the household registration police station); 3 "personal housing provident fund loan business change application form"; Note: 1. * * borrowers who apply for premarital provident fund loans for their spouses need to provide marriage certificates and identity cards. 2. Borrowers who deposit provident fund loans applied by employees as immediate family members need to provide relevant certification materials and identity cards. 3.*** The change of the same borrower must be applied by himself, and it is not allowed to entrust an agent. The borrower's information changes. After the personal housing provident fund loan is issued, when the borrower's mobile phone, emergency contact person and contact telephone number change, he can apply for information update. Handling method: the borrower applies at the loan bank; Required information: 1. Original ID card of the borrower; 2 "Personal Housing Provident Fund Loan Business Change Application Form". The borrower may apply for changing (shortening) the term of the individual housing provident fund loan after the individual housing provident fund loan is issued in the center. Handling method: the borrower applies at the loan bank. Required information: 1. Original ID card of the borrower; 2. Remarks on the application form for the change of individual housing provident fund loan business: 1. The shortened term should be changed within the original interest rate term. (that is, loans issued at an interest rate of more than 5 years, the shortened period shall not be less than 6 years. ) After the loan term is shortened, the loan interest rate is still subject to the original grade interest rate standard. 2. The application for shortening the term shall be made within the borrower's ability to repay the loan principal and interest. After the repayment method is changed, the borrower or spouse may apply to change the repayment method of the individual housing provident fund loan (change the "equal capital" or "equal principal and interest"). Handling method: apply at the loan bank. Required information: 1. Original identity card of the applicant; 2 "Personal Housing Provident Fund Loan Business Change Application Form"; Note: 1. The application for changing "equal principal and interest" into "average capital" shall be within the borrower's ability to repay the principal and interest of individual housing provident fund loans. 2. It is not allowed to change the "equal principal and interest" in the original system. After the personal housing provident fund loan is issued, the borrower or spouse may apply for changing the repayment account number. Handling method: apply at the loan bank. Required information: 1. Original identity card of the applicant; 2. Change the repayment card; 3. Remarks on the application form for the change of individual housing provident fund loan business: 1. The repayment card should be changed into a bank card in the name of the mortgagor; 2. The bank applying for changing the repayment account number should be consistent with the provident fund loan lender; 3. Special circumstances: after the issuance of the provident fund loan, if the mortgagor needs to be repaid by a third party due to factors such as death, disappearance or incapacity, the third-party repayment person needs relevant proof materials or explanations of the mortgagor's death, disappearance or incapacity in addition to the ID card, repayment card and application. If the borrower's application for information change affects the normal personal housing provident fund loan business due to personal information errors, the borrower or spouse may apply to the loan bank for information change procedures. Handling method: apply at the loan bank. Required information: application form for change of individual housing provident fund loan business 1. Apply to change the escrow account associated with the personal housing provident fund loan to the current personal provident fund account in the central system. Required information: applicant's ID card; 2. The borrower's spouse didn't pay the provident fund when he made the loan, and now he applies to associate his provident fund account with the personal housing provident fund loan information. Required information: applicant's ID card; 3. After the personal housing provident fund loan is issued, the name or ID number of the borrower or spouse has changed and has been corrected in the central system collection module. Required information: changed ID card, change certificate issued by household registration department; 4. Due to job transfer and other reasons, the personal provident fund account has changed, and the application is made to associate the personal housing provident fund loan with the new personal provident fund account in the central system. Required information: applicant's ID card; 5. The borrower or spouse finds that the personal housing provident fund loan information (including name, ID number or provident fund account number) is incorrectly entered in the central system, which is inconsistent with the loan paper information, and applies for correction. Required information: Xi personal housing provident fund loan contract and ID card. Print repayment details, repayment plan, settlement voucher and loan status certificate. 2. Counter handling: apply to the loan bank or provident fund service window. Information required for counter handling: (1) Original ID card of the applicant; (2) Others need to provide the original ID card of the client, the power of attorney and the original ID card of the agent. Second-hand housing price appraisal If the borrower applies for a second-hand housing personal housing provident fund loan, the second-hand housing appraisal price will be inquired by the center through the tax appraisal system or the information platform of the introduced third-party appraisal agency. If the borrower applies for a second-hand housing personal housing provident fund portfolio loan, the evaluation price of the second-hand housing shall be subject to the evaluation report approved by the entrusted bank for individual housing commercial loans. Related questions and answers: Can two people borrow the provident fund loan together? No, provident fund loans cannot be borrowed by two people together, because the lender can only be one person, but they can be repaid by two people together. Husband and wife housing provident fund can repay the loan together. When signing a loan contract, both husband and wife sign it together, and one of them, as the repayment party, can use the provident fund in his own account to repay. Note: To use provident fund loans, individual provident fund accounts must be continuously deposited for at least half a year. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. Loan terms 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

2. What are the loan processes of personal housing provident fund of BOC?

China Bank's personal housing provident fund loan refers to the loans issued by Industrial Bank to employees who have paid housing provident fund in various housing provident fund management centers for the purchase, construction, renovation and overhaul of housing. When an individual applies for the expenses required for the individual housing provident fund, he also applies for a commercial individual housing loan from the entrusted bank, which will be distributed to the individual housing provident fund lender. Because of the different housing provident fund loan policies in different places, the loan business handling outlets or consult the local provident fund management center.

The above contents are for your reference. Please refer to Bank of China official website Company for the latest business changes.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

Third, the provident fund loan process

Print out the online signing contract-report evaluation-preliminary examination of provident fund management center-loan approval, property right transfer-audit-loan and mortgage registration-get the house book and other rights certificates.

Four, how to transfer commercial loans to provident fund loans?

The transfer method of provident fund loans is as follows

The first step is loan consultation.

The loan applicant negotiates with the original commercial loan bank, obtains the personal housing provident fund loan folder, fills it out as required, and submits it to the original commercial loan bank together with the following materials:

Submit application

1. Original and photocopy of ID cards and household registration books of the Borrower and the Seller;

2. Original and photocopy of marital status certificate (single certificate issued by the civil affairs department);

3. The original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan;

4. The original loan mortgage contract of the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;

5. The "Housing Appraisal Report" issued by the housing appraisal agency recognized by the management center (second-hand housing business loans are converted into provident fund loans);

6. The property right of the house is notarized by someone who agrees to mortgage;

7. Other certification materials required by the management center and the entrusted bank.

Accept a loan

1. The entrusted bank shall interview the loan applicant and review the application materials submitted by him;

2. Query and print the Personal Credit Report of the borrower and spouse, and review the personal credit situation and mortgage situation of both husband and wife;

3. The entrusted bank conducts "family housing information inquiry" for the loan applicant through the real estate department;

4. For borrowers who meet the loan conditions, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrower according to the preliminary examination results and repayment ability;

5. The entrusted bank conducts preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed.

The fourth step is to sign the contract

The loan applicant signs a loan (mortgage) contract with the original commercial loan bank; At the same time, under the guidance of the bank, sign a guarantee contract with the guarantee company designated by the management center.

Step 5: Deposit in advance

The loan applicant will deposit the difference between the original commercial loan balance and the refinancing into a special deposit account opened by the refinancing bank, and settle the original commercial loan in advance with its own funds.

Step 6: Loan

When the management center issues loan funds, the loan bank notifies the loan borrower to settle the original commercial loan with the provident fund loan funds and the borrower's pre-stored funds.

Step 7: Apply for a mortgage.

The guarantee company will handle the cancellation procedures of the original commercial loan mortgage on its behalf, and complete the mortgage registration procedures of the loan transferred to the provident fund (this procedure will be handled by the guarantee company).