Employees applying for Hefei housing provident fund loans to buy second-hand houses must meet the following loan conditions: 1. The borrower has normally paid the housing provident fund in full for more than six months. 2. The ordinary self-occupied second-hand house purchased by the lender should be in a mature community within or outside the Second Ring Road, and it must be a complete set of houses. In principle, it should be a house in a residential community (marked as a community on the real estate license) or a second-hand house in a dormitory. The term of the house shall not exceed 20 years from the date of completion of the house. 3. The borrower has a permanent residence in this city, has full capacity for civil conduct, has a good reputation, has a stable economic income and the ability to repay the principal and interest of the loan; The monthly repayment amount shall not exceed 50% of the family's monthly income. 4. The down payment shall be paid to the special account of Hefei Stock House Fund Custody Center Bank (Huixing or ICBC) as agreed, and the down payment of the first housing provident fund loan shall not be less than 20% of the house price; The down payment of the second housing provident fund loan is not less than 20% of the house price, and the loan interest rate is 1. 1 times of the first housing provident fund loan in the same period. 5. Parents and their children and other immediate family members purchase houses without providing loan support. 6 portfolio loans involving commercial loans, down payment, loan times, interest rates and other relevant provisions by the loan undertaking bank in accordance with the relevant provisions of the People's Bank of China. 7. There is no outstanding housing provident fund loan between the applicant and his wife. 8. The borrower must be the purchaser, and the property right ratio shall not be less than 50% (inclusive). Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.

Application conditions and loan amount of ICBC's second-hand personal housing loan

Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market. The following are the application conditions and procedures for ICBC's second-hand personal housing loan.

Application conditions

To apply for a second-hand personal housing loan in ICBC, the borrower must have the basic conditions for applying for a personal housing loan and meet the following conditions:

1. The seller has the legal right to dispose of the purchased house, and the purchased house has the real estate license;

2. The property right of the house is * * *, and there must be a certificate of consent to transfer issued by the owner of the house property.

To apply for a second-hand personal housing loan, you need to prepare and provide the following information in advance:

1. Valid identity documents and proof of marital status of the borrower and spouse;

2. The borrower's household registration certificate (household registration book or other valid residence certificate);

3. The borrower's economic income certificate and occupation certificate;

4. Certificate of property right of the purchased second-hand house;

5. The house sales contract signed with the seller and the transfer account provided by the seller;

6. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

7. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;

8. Other documents or materials required by the lender.

loan limit

The maximum loan amount can reach 70% of the market value of the purchased house.

deadline

The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years. If more than two borrowers borrow from the same borrower, the loan term may be determined according to the lesser one that meets the loan conditions.

Expected annualized interest rate of loan

The expected annualized interest rate of the loan shall be implemented in accordance with the relevant provisions of the People's Bank of China, and may fluctuate within the prescribed scope on the basis of the expected annualized interest rate of the benchmark of the same grade in the same period announced by the People's Bank of China.

Can I find my own bank to trade second-hand houses? ICBC can!

China Industrial and Commercial Bank (ICBC) is an important institution in the financial industry, with many businesses. You can handle it according to your own needs. If you need to apply for a second-hand housing loan, you can try to apply to ICBC.

1. For the second-hand houses independently traded by buyers and sellers, can buyers apply for second-hand housing loans from ICBC?

The answer is yes. ICBC can provide customers with second-hand personal housing loan business, whether it is a second-hand housing transaction reached by a real estate brokerage company or a second-hand housing transaction independently reached with a seller. For details, please consult your local ICBC personal credit business department or personal loan center.

Application conditions: Have full capacity for civil conduct, be between 18 (inclusive) and 65 years old (inclusive), have a good credit record, and have the willingness to repay.

2. Does the purchased second-hand house need to be evaluated?

According to the regulations of ICBC, when applying for a second-hand personal housing loan, it is necessary to evaluate the property value in a real estate appraisal company designated by ICBC to determine the loan amount. Among them, eligible properties can be exempted from the assessment procedures. For details, please consult your local ICBC personal credit business department or personal loan center.

Third, in the second-hand housing loan business, how to ensure that the purchaser can successfully obtain the title certificate after paying the purchase price?

In view of the concerns of buyers and sellers in the process of capital transfer and real estate transaction, ICBC has set up a second-hand housing transaction fund management business.

This business ensures the safety of funds in the process of real estate transaction through the bank's supervision of down payment and loan funds, and at the same time, through unfreezing the house payment after the transaction is completed, it urges the seller to cooperate with the property transfer procedures to protect the interests of buyers.