1. The off-site provident fund loan is mainly for employees who have paid the provident fund in cities other than Shenyang in Liaoning Province, and use the provident fund loan to purchase houses in Shenyang. To apply for provident fund loans in different places, you need to go back to the local (deposit place) to issue a certificate; However, if the registered permanent residence is in other places and the deposit place of the provident fund is in Shenyang, you don't need to issue a certificate, just go directly to the provident fund deposit management department. In other words, off-site provident fund loans are mainly based on the place where the provident fund is paid, not on the place where the household registration is located.
2. Provident fund loans cannot be made outside Liaoning Province, because there is no network in the country, so customers in Heilongjiang, Jilin and Tianjin cannot make provident fund loans in Shenyang.
In short, as long as the employees who normally deposit the housing provident fund in Liaoning 14 city and buy individual self-occupied houses with house ownership certificates in different places between 14 cities, they can apply for housing provident fund loans at the place where they buy houses.
1. Employees who have paid housing provident fund in housing provident fund centers of cities in Liaoning Province.
2. Before applying for a loan, the applicant or the applicant's unit has paid the housing provident fund 1 year for the employees as required.
3. The down payment ratio of house purchase shall not be lower than the specified ratio.
4. The applicant and * * * are qualified by the applicant's credit record.
5. The applicant has a stable economic income and the ability to repay the loan.
6. The applicant agrees to provide the loan guarantee method approved by the Center.
7. The applicant and the applicant (including spouse) have no outstanding loans or other debts.
8. The development enterprise of the real estate purchased by the applicant has signed a guarantee agreement with the housing provident fund center.
The borrower is allowed to apply after signing the house purchase contract and paying the down payment.
The houses purchased are limited to those within the administrative division of Shenyang, which can have the ownership certificate of state-owned land houses (except bungalows).
The applicant pays the housing accumulation fund with a maximum loan amount of 250,000 yuan; The applicant and * * * jointly pay the housing accumulation fund with the applicant, and the maximum loan amount is 400,000 yuan.
The formula for calculating the specific limit is: the salary base of the applicant and the monthly contribution of the provident fund of the same applicant × repayment coefficient × 12 months× loan period.
The maximum loan amount shall not exceed 70% of the transaction price of commercial housing. The minimum loan period is 1 year, and the maximum loan period is 30 years. Both men and women cannot exceed the statutory retirement age.
Loan interest rate: The loan interest rate shall be subject to the relevant regulations of the People's Bank of China and adjusted with the interest rate adjustment of the People's Bank of China.
(If the content changes, the latest policy shall prevail. )
1. The ID cards of the applicant and the * * * applicant are 3 originals and 3 copies respectively (copied on both sides of A4 paper, the same below).
2. Original and photocopy of the household registration book 1 copy.
3. Original and photocopy of marriage certificate 1 copy (single person should provide the original 1 copy of marriage information certificate issued by the civil affairs department where the household registration is located, and the validity period is 1 month).
4. Original commercial housing sales contract (including 1 contract for record).
5. Two copies of commercial housing sales (pre-sale) license.
6. Two copies of the new building number approval form.
7. 1 Original Record Form of Commercial Housing Sales Contract and two originals and photocopies of Advance Notice Registration Certificate.
8. 1 Original and photocopy of down payment receipt and full invoice.
9. Original and photocopy of maintenance fund and deed tax receipt 1 copy each.
10. Proof of economic income of the applicant and * * * the same applicant (it must be stamped with the seal of the personnel department of the unit or the special wage seal, and the certificate is in a unified text format, which can be obtained from the loan office in different places in Shenyang Center).
1 1. 1 Copy of the certificate of provident fund deposit issued by the provident fund management center in the place where the housing provident fund was deposited.
12. Tripartite agreement is used for the withdrawal of loan accumulation fund in different places.
Preparation materials can be completed online.
At present, migrant workers in Liaoning Province can apply for provident fund loans in different places, and they can complete the preliminary materials preparation online.
As long as you click on the Internet to enter, you can see the "Housing Provident Fund Deposit Certificate" and "Employee Income Certificate" available for download.
As long as you fill in these certificates locally, you can go directly to Shenyang to apply for provident fund loans.
If the formalities are complete, it can be "done" in one day.
The first step is to log on to the website of Shenyang Housing Provident Fund. Prepare the required procedures in advance in accordance with the Conditions and Requirements for the Application of Housing Provident Fund Loans in Different Places.
The second step is to go to the loan management department in different places and complete the loan procedures within one working day.
In order to better serve everyone, Buyingtong also provides relevant information of Shenyang Housing Provident Fund Loan Department to readers. If you have any questions, you can call directly.
Shenyang housing fund yidi loan department
Address: Floor 2, Shenyang Yichun Branch of China Construction Bank, Shisanwei Road 18, Heping District.
Bus route:
Bus 103, 156, 207, 223, 263, 272, 297, 50 1 523, and get off at Shisanwei Road Station.
Shenyang Housing Provident Fund Management Center Service Hotline: 96688
Website:/sygjj/8cs/8cs.html.
(The above answers were published on 20 13-07-30. Please refer to the current actual purchase policy. )
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