Launching ceremony of Guangqing housing provident fund mutual loan business
It is reported that the loan amount paid by Guangzhou Housing Provident Fund Center for employees to purchase Qingyuan housing is the minimum value calculated according to three conditions: the multiple of the balance paid in the provident fund account, the loan ratio and the maximum loan amount, and it is the maximum loanable amount of the borrower. Among them, the maximum loan amount is 400,000 yuan for one person and 500,000 yuan for both husband and wife to purchase the same housing loan. ?
The following are the conditions for Guangzhou to deposit employee housing loans in Qingyuan:
First, the loan object (also meet the following conditions):
1, paid the housing accumulation fund in full in Guangzhou for more than 6 months (inclusive);
2. Qingyuan household registration or actual work in Qingyuan;
3. Buy self-occupied housing in Qingyuan City;
There is no housing in Qingyuan.
Second, the housing provident fund loan amount
1, the maximum loanable amount calculated according to the balance of the housing provident fund account.
The calculation formula is: account balance ×8+ monthly deposit × months from retirement age.
2. The loanable amount calculated according to the maximum loan amount
(1). One person applies for a housing provident fund loan with a maximum loan amount of 400,000 yuan.
(2) If both husband and wife buy the same house and apply for housing provident fund loans, the maximum loan amount is 500,000 yuan. (Refer to the current maximum loan amount standard of Qingyuan Center)
3. The loanable amount calculated according to the loan proportion
① Workers' families (including borrowers, spouses and minor children, the same below) apply for individual housing provident fund loans to purchase the first set of ordinary self-occupied housing, with the minimum down payment ratio of 20% and the loan interest rate as the benchmark interest rate of individual housing provident fund loans;
② For workers' families who own a house but have no loan record or own a house and settle the corresponding house purchase loan, apply for individual housing provident fund loans to purchase ordinary self-occupied houses, with the minimum down payment ratio of 30% and the loan interest rate of 1. 1 times the benchmark interest rate of individual housing provident fund loans;
(3) For families who own a house but have not settled the corresponding housing loan, apply for individual housing provident fund loans to purchase ordinary self-occupied houses, with the minimum down payment ratio of 40% and the loan interest rate of 1. 1 times the benchmark interest rate of individual housing provident fund loans;
(4) Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses.
Third, the loan term.
The loan term shall meet the following requirements:
1. The term of the first-hand property loan shall not exceed 30 years. Second-hand housing loan period does not exceed 20 years, and the sum of loan period and building age does not exceed 40 years.
2. The sum of the borrower's age and loan term shall not exceed 5 years after retirement age. The retirement age is generally calculated as 60 for men and 55 for women.
3. Husband and wife apply for housing provident fund loans when purchasing the same house, subject to the longest loan term.
Fourth, the loan process.
Workers apply to the undertaking bank → preliminary examination of the bank → examination and approval of Guangzhou Provident Fund Railway Sub-center → signing a loan contract to handle mortgage advance notice registration or transfer registration and mortgage registration procedures → preliminary examination of bank scale → examination and approval of Guangzhou Provident Fund Center scale → granting loans.
V. Information on application for provident fund loan
1. Identification documents (including borrower and spouse): ① ID card; (2) Household registration book (for collective household registration, the first page of the household registration book is stamped with the official seal); (3) proof of marital status (divorce analysis certificate should be provided for divorce).
2. Legal and valid purchase contract, and the second-hand building provides real estate license;
3, the first payment receipt or invoice, the first payment transfer or voucher;
4. Current bank account number and receiving bank account number of the building;
5. Commitment letter;
6. Proof of the number of family houses issued by Guangzhou and Qingyuan Housing Management Bureau;
7. The certificate of fixed employment in Qingyuan issued by the deposit unit and the residence certificate issued by the local work unit in Qingyuan (the husband and wife need only one Qingyuan household registration or work certificate for the same loan);
8. The first floor provides the pre-sale certificate of the house, and the second floor provides the house evaluation report;
9. Personal credit reports of buyers and family members;
10, Guangzhou Housing Provident Fund Personal Housing Mortgage Loan Application Form;
1 1. Other documents and materials required by the bank.
Six, the use of provident fund loans to enjoy preferential interest rates.
The loan term is 1-5 years (including 5 years), and the interest rate of provident fund loan is 3.00%; For more than 5 years, the interest rate of provident fund loans is 3.50%.
Seven. Repayment method:
1, average capital method 2, equal principal and interest method
Eight, provident fund loans to undertake banks
Qingyuan Construction Bank and Qingyuan China Bank.
Qingyuan bureau of finance
(The above answers were published on 20 15-07-24. Please refer to the actual situation for the current purchase policy. )
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