You can borrow 65438+ ten thousand yuan. The policy loan of Taiyuan provident fund will be available after half a year, with a loan amount of 654.38+million yuan for one year and a maximum loan of 800,000 yuan. However, provident fund loans need to be guaranteed. If the developer guarantees the best and simple, the loan efficiency is relatively high.

If there is no developer guarantee, you need to find an intermediary guarantee, but you can charge a guarantee fee, which can be a natural person or two people. One person must be a staff member of state organs or state-owned enterprises and institutions, and the amount of the guarantee account cannot be less than one tenth of the loan amount.

Second, the latest policy can Taiyuan housing provident fund be loaned in Yuncheng?

No, I haven't completely put it down.

Three, Taiyuan provident fund loan conditions

To apply for a loan, the borrower shall meet the following conditions:

(a) to apply for a loan according to the provisions of the municipal housing provident fund management, the housing provident fund has been paid in full for more than 6 months, and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.

(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;

(3) Having stable income, good credit and the ability to repay the principal and interest of the loan;

(four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;

(five) to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center;

(6) Other prescribed conditions.

Article 5 The management center shall issue loans to borrowers who commit the following acts:

(a) the purchase of public housing, affordable housing, fund-raising housing, commercial housing, secondary market housing (second-hand housing), to participate in fund-raising or cooperative housing units;

(two) the construction, renovation, overhaul and decoration of owner-occupied housing;

(three) to own or third-party housing ownership as collateral to buy the right to use public housing;

(four) for employees to repay the housing loans of commercial banks.

Four, Taiyuan housing provident fund loan policy

The new policy of Taiyuan provident fund loan stipulates that during the loan period, when the guarantor cannot perform the guarantee responsibility or needs to change the guarantee agreed in the original mortgage loan contract due to the impairment or loss of the mortgaged property, the borrower may apply to the loan department that originally issued the individual housing provident fund loan. If the borrower applies for changing the guarantee method, providing or adding new collateral, it shall evaluate the new collateral as required, and the loan balance shall not account for more than 70% of the value of the new collateral, and the remaining service life of the new collateral shall be longer than the remaining loan period. The items used for mortgage are limited to the real estate with real estate registration certificate or property ownership certificate in Taiyuan. The owner is not limited to the borrower himself. Housing provident fund loans refer to housing mortgage loans all over the country. The following is the loan process, loan amount and loan conditions of Taiyuan Provident Fund. I. Conditions of Taiyuan Provident Fund Loan The borrower applying for a loan shall meet the following conditions at the same time: (1) Before applying for a loan, the borrower has continuously paid the housing provident fund in full for more than 6 months in accordance with the Regulations on the Administration of Housing Provident Fund in Taiyuan City, and neither the borrower nor his spouse has any housing provident fund loan debt, nor has he provided loan guarantees or auxiliary loans to other provident fund borrowers. (2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house; (3) Having stable income, good credit and the ability to repay the principal and interest of the loan; (four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing; (five) to provide guarantees in accordance with the provisions of the Civil Code and approved by the management center; (6) Other prescribed conditions. The management center provides loans to borrowers who have the following behaviors: (1) purchasing public housing, affordable housing, housing-oriented commercial housing and secondary market housing (second-hand housing) listed and traded, and participating in fund-raising or cooperative housing construction by units; (two) the construction, renovation, overhaul and decoration of owner-occupied housing; (three) to own or third-party housing ownership as collateral to buy the right to use public housing; (four) for employees to repay the housing loans of commercial banks. Two. When applying for a loan in Taiyuan provident fund loan process, the borrower should fill in the loan application approval form and submit the following materials to the management center: (1) the borrower's identity certificate; (2) the borrower's marriage certificate; (3) proof of the economic income of the borrower, the borrower's spouse and the auxiliary repayment person; (4) the legal proof of housing consumption and related materials; (5) Other necessary related materials. After receiving the loan application and all kinds of materials that meet the requirements, the management center shall truthfully do a good job in loan review and give a written reply to the applicant within 15 working days. Collective application for housing provident fund loans shall be reviewed by the project audit record of the management center or the loan review committee, and the credit rating of the loan project and the borrower shall be reviewed, and the applicant shall be given a written reply within 30 working days. Upon examination, if the loan conditions are met, the management center, the cooperative bank and the borrower shall sign a personal loan contract for housing provident fund (hereinafter referred to as the loan contract) and issue the required loans to the borrower. 3. The amount, term and interest rate of Taiyuan provident fund loan are 1, and the maximum amount of provident fund loan is 450,000 yuan, of which: the loan amount for purchasing housing ownership does not exceed 80 (including 80) of the total housing price; The loan amount for the construction, renovation, overhaul and decoration of owner-occupied housing shall not exceed 50% (including 50%) of the required expenses; On the premise that the loan amount for repaying the housing loans of commercial banks does not exceed the original loan amount of commercial banks, a certain amount of renovation loans can be added on the basis of the remaining principal of the original commercial loans; The purchase of public housing use rights, can refer to the purchase of housing ownership loan amount. The loan amount under all loan conditions cannot exceed the maximum loan amount. 2. The loan term shall be agreed by the borrower and the borrower according to the relevant provisions of the People's Bank of China, but the longest term shall not exceed 30 years. The loan term plus the borrower's age shall not exceed the statutory retirement age of the borrower in principle. 3. The loan interest rate shall be implemented according to the housing provident fund loan interest rate announced by the People's Bank of China. If the borrower repays the loan principal and interest in advance, the interest rate shall be subject to the contract interest rate; If the borrower repays the principal and interest of the loan beyond the time limit stipulated in the loan contract, the overdue part shall be charged with penalty interest at the interest rate stipulated by the People's Bank of China. If the loan term is one year, the contract interest rate shall be implemented. If the statutory interest rate is adjusted, the interest will not be calculated by sections; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade. Law According to Article 2 of the Social Insurance Law of People's Republic of China (PRC), the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to protect citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. "Regulations on the Management of Housing Provident Fund" Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.