I will first evaluate the payment terms, service years, salary and installment repayment. The maximum can't exceed the average salary. You can simply rule it out yourself.
2. What are the loan conditions of Changchun Provident Fund?
What is the process of buying a house with a personal housing provident fund loan? ：
1, preliminary review:
The housing fund management center conducts a preliminary review of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.
2. Assessment:
The applicant takes the notice of mortgage review and evaluation to the evaluation institution designated by the center to evaluate the value of the purchased house. Affordable housing does not need to be evaluated.
3. Review:
The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. In line with the conditions, the center will issue the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center".
4. Guarantee procedures:
The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Fund Management Center, and goes through the guarantee formalities according to the guarantee method chosen by him. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
5. Sign a loan contract.
6, housing fund management center and the entrusted bank signed a loan agreement.
7. The borrower directly submits the loan application to the housing fund management center, and the entrusted industry can collect the borrower's application materials as needed and submit them to the housing fund management center for approval.
8. After the housing fund management center approves the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank.
9. According to the entrusted loan contract, the entrusted bank shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.
10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.
Three, Changchun provident fund loans to buy conditions
Legal subjectivity: the conditions for applying for provident fund loans are: 1, permanent residence in the town where the loan is located, and valid proof of residence can be provided; 2. The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; 3. The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; 4. The borrower has a proper job and a stable income, a fixed salary every month, and a clear repayment intention; 5. Sign a house purchase contract or contract with the sales office; 6. Meet other conditions stipulated by the trustor and the trustee. Article 2 of the Regulations on the Management of Housing Provident Fund stipulates that these Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC) (China). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing accumulation fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees. Article 3 stipulates that the housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where employees work belong to individual employees.
Objectivity of law: Article 5 of the Regulations on the Management of Housing Provident Fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
4. What kind of second-hand housing provident fund in Changchun can be fully loaned?
Changchun second-hand housing provident fund loan conditions:
1. It is necessary to purchase houses with property rights certificates built on state-owned land within the urban area of Changchun;
2. The room age shall not exceed 15 years;
3. The maturity date of the lender's loan shall not exceed the statutory retirement age;
4, have a stable job in this city, and can issue proof of income.