I. Loan conditions:

1. Have a valid ID card and full capacity for civil conduct;

2. Guangzhou household registration requires continuous deposit of housing provident fund in Guangzhou for more than 6 months (including 6 months); Non-Guangzhou household registration requires continuous deposit of housing provident fund 12 months or more (inclusive); (This provision has been changed in the draft of 20 14. For details, please refer to the Implementation Measures for Individual Housing Loan of Guangzhou Housing Provident Fund (Draft for Comment). )

3. There is a purchase contract;

4. The down payment for house purchase has been paid as required;

5. The purchased house can be used for mortgage loan;

6 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

7. Deposited funds are given priority for repaying housing provident fund loans;

8. You can apply for loans to buy the first and second houses, and it is forbidden to buy the third and above houses with loans (this is the new regulation of 20 14).

Two. Loan restrictions:

1. The building structure is brick-wood structure and mixed structure.

2. For non-residential and low-density commercial housing.

3. Housing provident fund loans have been used.

Loan process

1 The employee submits the housing provident fund loan application form and related materials to the provident fund center or the undertaking bank;

2. After the provident fund center or the undertaking bank accepts the employee's application, it will conduct a pre-loan review of the employee's relevant situation;

3 provident fund center to approve employee loan applications;

For the loan approved by the provident fund center, the provident fund center, the borrower and the entrusted bank shall sign a written loan contract, or the provident fund center shall entrust the entrusted bank to sign a written loan contract with the borrower;

5. After the Provident Fund Center issues the loan approval opinions and completes the guarantee procedures, the Provident Fund Center entrusts the entrusted bank to issue loans to the borrower.

Third, the loan information

1 individual housing provident fund loan application form (collected and filled in by the bank or housing provident fund center on site)

Original and two copies of ID card and household registration book.

3 marriage certificate or divorce certificate and other proof of marital status and two copies.

4. Purchase contract, first purchase invoice or receipt, deposit receipt, two originals and copies.

5 proof of income (issued by the work unit), bank card or savings card for repayment (Guangzhou card with my ID card), and 2 originals and photocopies.

6. The original and two copies of the bank card or savings card (Guangzhou card with my ID card) that receives the loan.

7. Proof of real estate registration inquiry under personal name (issued by the Housing Authority) and personal credit report (original)

Fourth, the loan amount.

The minimum value of the purchase amount of provident fund loans calculated in the following three ways is the maximum loan amount.

1 The formula for calculating the maximum loanable amount according to the balance of the housing provident fund account is: (the balance of the provident fund account, the monthly contribution of the provident fund ×2× the number of statutory retirement months )× 2.

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan; If two or more people purchase the same house and apply for housing provident fund loans, the maximum loan amount is 800,000 yuan.

3 Loan amount calculated according to the loan ratio: for families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing with a construction area of 90 square meters or purchase affordable housing according to regulations, the down payment ratio shall be no less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%.

2. What are the procedures and steps for the face-to-face signing of Guangzhou Provident Fund?

1. As long as the buyers and sellers need to prepare the corresponding materials, they will go to the corresponding local provident fund business acceptance bank and submit an application for face-to-face signing.

Submit the certification materials issued by the provident fund management center to the bank staff, and the bank staff will confirm the payment method.

You can apply for a face-to-face interview after signing the contract.

The above is the face-to-face signing process of provident fund.

3. What is the loan process of Guangzhou housing provident fund?

The process of housing provident fund loan to buy a house is 1. Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation. 2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated. 3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice". 4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. 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 provident fund management center needs to sign an entrusted loan agreement with the entrusted bank. 7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval. 8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank. 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures 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.

4. What is the loan process of Guangzhou housing provident fund?

Housing accumulation fund loan purchase process

1, first trial:

Then the housing provident fund management center will conduct a preliminary examination of the materials submitted by the applicant, including the applicant's qualifications, loan amount, loan period and so on. After passing the preliminary examination, the Center will issue a Notice of Collateral Review and Evaluation.

2. Assessment:

The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise 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. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Guarantee procedures:

By the applicant to the "housing fund management center guarantee entrusted loan investigation notice", in accordance with their own choice of guarantee procedures. 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 provident fund management center needs to sign an entrusted loan agreement with the entrusted bank.

7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures 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.