Lead: Housing accumulation fund is one of the five insurances and one gold that employers will buy for workers. The purpose of buying housing provident fund is to use it when buying a house. The following is the relevant content of Qingyang housing provident fund loan conditions that I sorted out for you, hoping to bring you help!
(A) Qingyang housing provident fund loan conditions
1, employees who have paid the housing provident fund for 6 months (including 6 months) are normally unpaid, sealed or paid irregularly;
2, purchase, construction, overhaul occupied housing;
3. Have the ability to repay the loan principal and interest;
4. The loan term plus the age of the borrower shall not exceed the statutory retirement age of the borrower.
(B) Qingyang housing provident fund loan process
1. The borrower submits a loan application with a letter of introduction from the company, a legally binding house purchase contract and relevant supporting materials.
2. At the time of preliminary examination, the loan officer issued the "Application Form for Employee Housing Loan" and other materials, and the borrower filled them in as required, and submitted them to the credit department together with the materials required by the housing provident fund loan method.
3. After accepting the borrower's application materials, the credit department shall, within the specified time and according to the specified procedures, review the borrower's loan qualification, credit standing and the authenticity of the materials, conduct pre-loan investigation, put forward examination opinions, and report them to the leaders in charge for review.
4. After the loan review team reviews and approves, notify the borrower.
5. The borrower takes his ID card, seal and salary passbook to the central credit department to issue a policy loan power of attorney, which is sealed by the human resources department and issued by the collection department with a bank transfer check.
6. The borrower signs a loan contract and an iou at the entrusted bank with his ID card, seal, salary passbook, policy loan power of attorney and loan information, and goes through the transfer formalities.
7. The Borrower shall repay the loan principal and interest on schedule as agreed in this Contract.
(three) Qingyang provident fund deposit:
1, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund.
2. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
3. The new employee starts to pay the housing provident fund from the second month of work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.
4. The newly transferred employees shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
(4) loan amount and interest rate
Loan amount:
Normal deposit of housing provident fund, the maximum loan amount is 500 thousand yuan; The loan amount is no longer restricted by the deposit conditions of both husband and wife, but the maximum is not more than 500,000 yuan.
Loan interest rate:
The loan interest rate of housing provident fund in this city is lowered by 0.25%, and the latest loan interest rate announced by the People's Bank of China is implemented. The loan interest rate is 3.25% for less than five years (inclusive) and 3.75% for more than five years. The new loan interest rate will be implemented from 20 16 1.
(five) Qingyang housing provident fund loan interest rate
1.20 1 1 February 9, the deposit interest rate of individual housing provident fund will be raised. The deposit interest rate of individual housing provident fund collected in that year was raised by 0.04 percentage points, from 0.36% to 0.40%; The deposit interest rate of individual housing provident fund carried forward from the previous year was raised by 0.35 percentage points, from 2.25% to 2.60%.
From February 9, 2011,the interest rate of individual housing provident fund loans will be raised. The interest rate of individual housing provident fund loans for more than five years was raised by 0.20 percentage points, from 4.30% to 4.50%; The interest rate of individual housing provident fund loans with a term of less than five years (including five years) was raised by 0.25 percentage points, from 3.75% to 4.00%.
3.20 1 1 From February 9, 2008, the loan interest rate of cities that carry out the pilot work of using housing provident fund loans to support the construction of affordable housing will rise by 10% according to the interest rate of individual housing provident fund loans for more than five years.
Note: In case of national interest rate adjustment, the new regulations shall prevail.
(6) Loan term:
The loan period is extended from 15 to 25 years, but the loan period shall not exceed 5 years after the statutory retirement age of the borrower (* * * with the lender and guarantor), which means that the original loan period can only reach the retirement age, and the current loan period is extended to 5 years.
(vii) repayment of loans
Matching principal and interest repayment method:
Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.
Average capital repayment method:
The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
Prepayment of Qingyang Provident Fund Loan:
1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.
2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.
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