loan limit
1, and the maximum loan amount in Changsha is 500,000 yuan;
2. Not more than 70% of the total price of the house purchased (80% for the first time with an area of less than 90 square meters);
3. Not exceeding 70% of the value of the mortgaged property;
4. The monthly repayment of principal and interest shall not exceed 50% of family income;
5. The purchase of finely decorated houses shall not exceed 50% of the total purchase price.
Expected annualized interest rate of loan
The expected annualized interest rate within 5 years (including 5 years) is 4.00%, and the expected annualized interest rate over 5 years is 4.50%. If the current expected annualized interest rate is adjusted, the new expected annualized interest rate standard will be implemented.
deadline
The maximum term is 30 years.
Processing time
The time for handling housing provident fund loans is 3 working days (excluding batch processing and mortgage filing time).
From the date when the management center receives the personal loan application report, the approval time for housing provident fund loans is 3 working days (excluding batch processing and mortgage filing time) provided that all loan information is complete.
Repayment method
1. The housing provident fund loan adopts the equal principal and interest repayment method or the average capital repayment method, and the borrower starts to repay the loan principal and interest on a monthly basis in the month when the loan is received.
2. After the normal loan repayment 1 month or 1 year, the borrower and his wife can choose to withdraw the balance of housing provident fund to repay the loan on a monthly or annual basis, or they can withdraw the loan, but the repayment amount shall not exceed the previous year.
Potential borrower
-Employees
Administrative institutions that have normally paid housing provident fund 12 months or more, employees who have signed long-term labor contracts with employers for more than three years (including housing provident fund 1 year or more for three consecutive years) and have continuously paid housing provident fund 12 months or more, and are paying housing provident fund normally and continuously, can apply for housing when purchasing, constructing, renovating or overhauling ordinary self-occupied houses.
-individual industrial and commercial households and freelancers
Individual industrial and commercial households, freelancers and depositors who have signed off-site loan cooperation agreements with Changsha Housing Provident Fund Management Center can apply for housing provident fund loans if they have normally paid housing provident fund 12 months or more.
Letter of credit clause
1. The borrower has good credit, stable family income and the ability to repay the principal and interest of the loan.
2. Self-raised funds shall not be less than 30% of the total purchase price (20% for first-time buyers with an area of less than 90 square meters).
3. There is a property recognized by the center as the guarantee of the mortgage guarantee company.
Loan information
1. The original (or valid marriage certificate) and copy (in duplicate) of the household registration book, ID card and marriage certificate of both husband and wife of the borrower. Unmarried provide proof of unmarried (within two months).
2. House purchase contract (in duplicate), original and photocopy of the down payment invoice for house purchase; The original and photocopy of the mortgage title certificate, the purchase contract must be registered by the real estate transaction department, and the signing time is not more than one year from the loan application date; Loans to buy second-hand housing, housing property rights transfer certificate and transaction deed tax must be provided; Construction documents and land use documents (or land red line map) approved by the relevant administrative departments must be provided for the construction of owner-occupied housing.
3. The mortgaged property must be within the urban area, and the completion time is no more than 20 years from the loan time, and the house does not belong to this scope.
Related introduction: Changsha provident fund loan to buy all kinds of materials needed for self-occupied housing
Changsha Commercial Transfer to Provident Fund Loan Process
The loan process of Changsha Commercial Bank to the provident fund is as follows:
First of all, prepared information:
Husband and wife's ID card, marriage certificate (unmarried certificate issued by the civil affairs bureau at or above the county level where the household registration is located), household registration book (including children, the head of the household registration of children must be both husband and wife, if you don't need to go to the unit to issue the "child certificate"), bank statement (final repayment details), house purchase contract, full purchase invoice (down payment invoice and original loan amount invoice), real estate license and land certificate, house certificate issued by the real estate department at or above the county level where the household registration is not local, and the last three years.
2. For the "proof" in the above materials, the original house purchase contract should be provided, 1 copy, and the remaining materials should be 3 copies.
3. Apply for provident fund loans and submit application forms.
The staff of the provident fund center will make an appointment to see the house.
5. Please consult the local provident fund center for specific matters.
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying and revising the Regulations on the Management of Housing Provident Funds, and liberalizing the provision that individuals withdraw provident funds to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.
20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
From July, 2065438 to July, 2007, all housing provident fund management centers in China will be "networked" to handle the transfer and connection of housing provident fund in different places through a unified platform.
On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
What is the process for Changsha Villa to apply for provident fund loans? What materials do you want?
Villa is the goal of many people, because everyone wants to have a good life, besides eating and drinking at ordinary times, they also want to have a comfortable living environment. But buying a house requires a loan, and so does Changsha. Then, what is the process of Changsha villa handling provident fund loans? What materials are needed?
Villa is the goal of many people, because everyone wants to have a good life, besides eating and drinking at ordinary times, they also want to have a comfortable living environment. But buying a house requires a loan, and so does Changsha. Then, what is the process of Changsha villa handling provident fund loans? What materials are needed?
What is the process for Changsha Villa to apply for provident fund loans?
A, Changsha this place clearly stipulates that individual housing provident fund loans cannot be used for purchase, shopping, etc. It is difficult to determine the provisions of villa real estate construction projects in the provident fund management center. But the difference is that there are no obstacles in Changsha's first set of housing provident fund loans and Changsha's second-hand housing provident fund loans and related policies for buying houses. However, with the strengthening of the regulation of the real estate market and the further strengthening of the supervision of the mortgage business by the banking supervision department.
Second, many Changsha banks will be more cautious when developing personal housing provident fund loan business for villa buildings, and some banks simply give up personal housing loan business for villa buildings. Even if some banks in Changsha choose to develop villa real estate personal housing loan business, the requirements on loan interest rate and down payment ratio will be higher. There are also a few banks that will increase the down payment ratio and loan interest rate when implementing the villa mortgage policy.
What materials do Changsha Villa need to apply for provident fund loans?
1. The original and photocopy of the resident identity card and household registration book of the borrower and the borrower (* * * together with the borrower and guarantor) in Changsha, and the repayment commitment letter of * * *;
2. Proof of marital status of the borrower of Changsha villa provident fund loan (a copy of marriage certificate is provided for married people, and a certificate is issued by the unit or police station for other situations);
3. Legal commercial housing purchase contract or agreement;
4. Personal credit certificate provided by the borrower of Changsha villa provident fund loan and the unit where the borrower works;
5. Effective proof that the borrower of Changsha Villa Provident Fund loan has paid not less than 30% of the purchase price;
6. Effective guarantee certificate;
7. Changsha villa housing provident fund loan must be a property with a mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
Let's take a look at the process of handling provident fund loans in Changsha villa that I shared with you. What materials do you want? In fact, as long as you buy the provident fund and meet the requirements when you apply to the bank, even if you have it, you can handle it. This is a good way to ease the economic pressure.
The introduction of Changsha provident fund loan to buy a house ends here.