You can use the housing provident fund loan. If your account is not local, you may need a guarantor. If there is no guarantor, you have to pay the guarantee fee. The key is whether the developer allows you to use the housing provident fund loan. When you decide where to buy a house, you can consult which bank and do it. Anyway, there are a lot of things to offer, and it can be approved in a week at the earliest.

Second, Weifang provident fund loan policy

In order to increase the support and guarantee for employees' housing consumption and better meet the demand for housing loans from employees' provident fund, it is decided through research that Weifang's housing provident fund loan related policies will be adjusted from September 16, 2022. First, the maximum amount of Weifang provident fund loan is 400,000. The maximum loan amount of housing provident fund loans is 400,000 yuan/household (different between husband and wife and cities) and 240,000 yuan/person (different between individuals and cities). 2. The calculation formula of the loan amount of the provident fund is: [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower) repayment ability coefficient-total monthly repayment amount of the borrower's existing loan] loan period (month). Usage of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife] loan term (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of provident fund (the ratio of unit contribution to individual contribution). 3. Weifang housing provident fund loan interest rate The annual interest rate of loans for less than five years is 4.00%, and the annual interest rate of loans for more than five years is 4.50%. Legal basis: Notice on Optimizing and Adjusting Housing Provident Fund Loan Policy. First, adjust the provisions of the loan quota calculation index, and cancel the provisions of "determining the upper limit of the loan quota according to the deposit ratio, the number of loans, and the deposit of the employee's unilateral or bilateral provident fund" in accordance with the New Deal. The second is to adjust the time limit for borrowers to apply for loans to deposit provident fund. According to the New Deal, the time limit for borrowers to apply for loans to pay the housing provident fund will be adjusted from "the borrower has paid the housing provident fund in full for more than 0/2 months" to "the borrower has paid the housing provident fund in full for more than 6 months". The third is to adjust the calculation rules of loan balance multiples. According to the New Deal, the upper limit of the loan amount is calculated from 15 times of the sum of the balances deposited in the provident fund account when the borrower applies, and adjusted to 20 times. The fourth is to adjust the proportion of monthly income for calculating repayment ability. According to the New Deal, the stipulation that "the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife if the loan term is more than 5 years" is adjusted to "the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife if the loan term is more than 5 years". Fifth, reduce the proof materials for real estate registration information inquiry, and cancel the requirement for borrowers to provide proof of real estate inquiry at the place of residence, acceptance and deposit. When applying for a loan, the borrower only needs to provide proof of the inquiry result of the real estate registration information of the place where the house is purchased.

3. What is the down payment ratio of Weifang Provident Fund?

Weifang's current provident fund loan policy: for the first provident fund loan, if the construction area of Xing Tao is below 90 square meters (inclusive), the down payment ratio shall not be less than 20% of the total house price; If the construction area of Xing Tao exceeds 90 square meters, the down payment ratio shall not be less than 30% of the total house price.

Can Weifang housing provident fund loan be deposited into personal account?

Monthly mortgage repayment of Weifang housing provident fund loan.

Provident fund loan process:

I. Consultation of loan applicants

The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

Loan process

II. Preliminary review and evaluation

The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.

1. The loan applicant handles the first provident fund loan with the housing provident fund lender.

2. Sign the letter of authorization for credit evaluation under the supervision of the staff who need to conduct personal credit evaluation on the loan applicant according to the regulations.

3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

1. The staff of the loan handling department shall review the loan materials provided by the loan applicant and the evaluation results of relevant institutions, and communicate with the loan applicant by telephone to verify and confirm the contact information provided by them.

2. For the loan applicant to choose the guarantee method of the guarantee center, the staff of the guarantee center will inform the loan applicant of the guarantee service fee paid when signing the loan-related contract; If the guarantee method chosen by the loan applicant is non-guarantee center guarantee, the staff of the loan handling department will inform the loan applicant to handle the loan-related contract materials after completing the relevant procedures according to the different guarantee methods.

Four. The loan applicant signs the relevant contract.

1. According to the interview time notified by telephone, the loan applicant will go through the signing formalities with the housing materials at the loan handling department. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

Verb (abbreviation for verb) bank loan

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

VI. Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.