(a) the borrower to apply for housing provident fund loans, need to submit a written application to the city housing provident fund management center, fill in the housing provident fund loan application form, and provide real information.
(two) the city housing provident fund management center is responsible for the borrower's qualification, the guarantor's qualification, the loan amount and duration, and the loan review of the contract completion. After the borrower and the center agree, they shall sign a contract or agreement with the bank according to the provisions of the China Insurance Regulatory Commission.
(three) after the loan procedures are completed, the bank of the city housing provident fund management center issues a loan notice, and after the loan is issued, the bank obtains the loan notice procedures.
Provident fund loans to buy a house-
Among the three measures you support for wage earners, buying a house with a provident fund loan is the best choice. As many people know, in the process of applying for a loan, there are often related insurances. But not everyone knows that all aspects of mortgage insurance are very clear. Here, we hope to give you some help in this regard. about
Home insurance must voluntarily buy life insurance.
The secured loan can be repaid safely. Before 29 February, 20065438+0/kloc-0, property buyers must provide five guarantees when applying for provident fund loans. But in fact, it is more about "mortgage plus comprehensive insurance"
In this insurance, the premium income of real estate insurance includes: the annual rate of loan amount is converted into the present value coefficient of life insurance loan amount × (original insurance rate+additional unemployment insurance rate).
Personal housing and property insurance, loan term 1-5 years (including 5 years). Individual borrowers should purchase insurance according to the corresponding super-personal loan period. The insurance premium includes: (1) 1-4-year (including 4 years) loan and 3-year personal loan premium level (1 -3 rate) insurance policy. (2) The loan period is 5 years (including 5 years), and the borrower has not registered the mortgage, and the initial loan period is at the premium level of insurance purchase. After the insurance expires, the borrower needs to continue to purchase insurance, and the remaining loan period does not exceed 5 years, and the remaining years actually purchased exceed 5 years (including 5 years). Wait until the repayment or mortgage registration formalities are completed.
Government guaranteed loan
For example, the average loan amount secured by first-time buyers is 280,000 yuan, and the average loan period is 10 year. If there is a guaranteed insurance policy, the per capita consumption expenditure is 7702 yuan, and if there is a government-guaranteed loan, the per capita expenditure is only 2077 yuan. The housing loan guarantee center where the individual applies for individual housing loan provides completely irrevocable joint and several liability guarantee, and the individual will purchase counter-guarantee mortgage to ensure that when the housing in the center is mortgaged, the overdue guarantee center where the purchaser repays will perform joint and several liabilities and repay the remaining loan principal and interest. The principal and interest of the guarantee center shall be negotiated by the housing provident fund management center, and the bank shall be entrusted to change the loan conditions and reschedule the repayment period. Premise loans guarantee repayment of loan interest, reduce the current repayment pressure of borrowers, and improve the repayment ability of borrowers by providing employment and training. Grasping the rights of the mortgaged property to be disposed of or the prerequisite for the action of the guarantee center depends on the flexible repayment plan or the revolving resettlement house under certain circumstances. Then, the original house auction will recover the remaining loan principal and interest. Borrowers who maliciously fail to repay the loan, lawsuits and other legal means, will bear the repayment responsibility.
Completed his own room card mortgage registration.
Many people have bought houses and have been living in provident fund loans, but they have seen property certificates. The problem is that everyone seems to think that all warrants are held by banks until the loan is paid off. In fact, although the mortgage ownership certificate should be in their own hands, banks should hold the Housing Ownership Certificate. Property buyers can also register by mortgage, and the premium of the original insurance company will be refunded. In fact, as long as the completed application form needs a buyer, the procedure is not troublesome: teller? Confirm with the local house ownership and housing management department that the materials are complete and correct together with the buyer, affix the special seal for the mortgaged house ownership certificate to the mortgage bill, fill in the house ownership certificate and affix the mortgage registration.
Housing provident fund loan, mortgage, pledge, guarantee terms?
A: The security of mortgage loan, securities pledge and third-party guarantee are the ways to realize employee housing provident fund loans.
(a) with real estate as collateral, the borrower to the city's provident fund loan contract, real estate mortgage contract, house ownership certificate to the real estate management department for mortgage registration of other rights of the house. The "Property Certificate" of the municipal real estate management department shall be kept by the borrower, and the property certificate shall be issued by the inter-city housing provident fund management center.
(2) Promise securities to sign a pledge contract with the municipal housing provident fund management center of all securities, deal with frozen securities or securities originally issued, and freeze loans filed across the center.
(three) the third party guarantees the guarantor to fill in the second time in the housing security business.
How wide is the scope of housing loan?
Before the introduction, the financial arrangements of the above three housing loan funds were all involved, but the most important issues were the amount of the above housing loan (such as figures) and the long-term interest rate. In order to solve the problem, it is necessary to repeat the buyer's current three kinds of loans: personal housing loans (commercial loans), commercial personal housing entrusted loans (provident fund loans) and personal housing portfolio loans, personal housing provident fund loans, commercial loans entrusted by banks, and personal housing provident fund management centers entrusted commercial banks to issue policy loans. Personal housing portfolio loans are the first two types of a combination.
1, housing provident fund loan: housing provident fund interest rate is low. For buyers who participate in the payment of housing provident fund loans, loans should be the first choice. The nature of housing provident fund loan policy subsidies, the loan interest rate is very low, not only lower than the commercial bank loan interest rate (only half of the commercial bank mortgage interest rate), but also lower than the commercial bank deposit interest rate in the same period, that is, there is a spread between the housing provident fund mortgage interest rate and the bank deposit interest rate. At the same time, the cost of mortgage and insurance related procedures for housing provident fund loans will be halved.
2. Personal housing commercial loans: these two types of loans are limited to the payment of employee housing provident fund. The application for loan has been missed for the payment of housing provident fund, but you can apply for ICBC personal housing mortgage loans and bank mortgage loans. As long as you have a capital demand of not less than 30% of the bank deposit balance of the housing loan, and you are the buyer of the down payment, and you are approved to use the assets of the loan bank as collateral or pledge, or a unit or individual with sufficient compensatory ability as a guarantor to repay the loan principal and interest, you can apply for using the bank mortgage loan.
3. Personal housing portfolio loan: the provident fund loan issued by the housing provident fund management center can generally reach a maximum of10-290,000 yuan. If the mortgage loan exceeds this limit, the insufficient part will apply to the bank for a commercial housing loan. These two loans are collectively referred to as portfolio loans. The business may be a moderate interest rate and loan amount, so that more lenders choose the bank loan portfolio to be handled by the real estate credit department.
Personal housing loan (commercial loan) is the most cost-effective entrusted personal housing loan (provident fund loan) with the heaviest interest burden, but we might as well compare the repayment differences of specific terms:/> Suppose the purchased couple wants to buy a house with a total price of 500,000 yuan, with a down payment of 30%, that is, $65.438+0.5 billion, and their own funds will repay the loan for 654.38+05 years, leaving 350,000 yuan. The monthly income is 6,000 yuan, and the monthly provident fund contribution ratio is 20% (enterprises and individuals each bear half). At present, the total provident fund is 40,000 yuan, and the interest burden of commercial loans is 1/3. For policy loans, the monthly payment is much higher than * * * above 10%, which is not a small amount. This seems to be a natural choice for personal housing entrusted loans, but it is not, the couple can not rely entirely on personal housing entrusted loans. Even if their existing provident fund is $40,000, which is 10 times lower, they can apply for a provident fund loan of 40 million. However, because the maximum amount of policy loans is only 300,000 or 350,000, the couple can only settle for the second best and choose individual housing portfolio loans. So their monthly repayment amount is 27,865,438 yuan +0.45 yuan, but they save a part of their provident fund every month to help meet their repayment period, and the amount can reach 20% of their total income at most, that is, 65,438 yuan +0.200 yuan/month, so they need to pay the house loan (27,865,438 yuan+0.45-65,438 yuan+0.48 yuan). It is suggested that buyers should carefully calculate more options for applying for loans when determining the budget.