How much can Chengdu Provident Fund Center pay for employees to buy new houses in Germany? They can choose the same city provident fund loan, and the minimum down payment ratio will be lowered.

How much can Chengde Meizi City provident fund loan borrow? 1 Employees paid by Chengdu Provident Fund Center use provident fund loans to buy houses in Germany and the United States. There are two ways to choose. First, apply for off-site provident fund loans to the provident fund center where the house is purchased (that is, where the house is located); 2. After August 16, you can apply to Chengdu Provident Fund Center for provident fund loans, that is, provident fund city loans. If you choose to apply for a loan from Chengdu Provident Fund Center, you don't have to run away from Chengdu.

loan limit

The maximum does not exceed the limit standard of the place where the house is purchased.

If the employees paid by Chengdu Provident Fund Center buy new houses in Germany and America and choose provident fund loans in the same city, the maximum amount of provident fund loans shall be implemented according to the standard of not exceeding the limit of purchasing houses, specifically: 500,000 yuan for double employees and 400,000 yuan for single employees in Deyang; Meishan City has 500,000 double employees and 400,000 single employees; Ziyang has 500,000 dual employees and 350,000 single employees.

If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.

Down payment ratio

The determination of housing units is based on housing loan records.

Chengdu Provident Fund Center paid employees to buy new houses in Germany and America, and chose the same city provident fund loan. The number of housing units and the down payment ratio are determined in accordance with the relevant provisions of the Chengdu Provident Fund Center Provident Fund loan.

The number of paid employee housing units is determined based on the number of housing units within the administrative area of Chengdu and the housing loan records of the credit information system of the People's Bank of China. If there is no room and no outstanding housing loan, the first set of housing provident fund loan policy will be implemented, and the down payment ratio will not be less than 30%.

If there is a set of housing but the housing loan has not been settled, if there is no housing but the housing loan has not been settled, and if there is a set of housing and the housing loan has not been settled, the second set of housing provident fund loan policy will be implemented, and the down payment ratio will not be less than 40%.

How much can Chengde Meizi City provident fund loan borrow? 2. The down payment ratio of provident fund loans in Meizi City, Chengde in 2022.

Adjust the minimum down payment ratio

The minimum down payment ratio is adjusted from 30% to 20% for the first time to apply for the same city provident fund loan; If you buy a second house and apply for a city provident fund loan, the minimum down payment ratio will be adjusted from 40% to 30%.

Criteria for determining the number of housing units for provident fund loans.

(1) In any of the following circumstances, it shall be deemed as the purchase of the first housing and the implementation of the first housing provident fund loan:

No housing, no outstanding housing loans.

(two) in any of the following circumstances, it is determined to purchase a second set of housing and implement a second set of housing provident fund loans:

1. There is a house but no outstanding housing loan; 2. There is no housing but there is an outstanding housing loan;

3. There is a set of housing, an outstanding housing loan and the same set of housing (proof materials such as loan contract and housing ownership information must be provided).

(three) in any of the following circumstances, it is recognized as the purchase of the third and above housing, and no loan will be granted:

1. Having two or more houses;

2. There are two or more outstanding housing loans;

3. There is a house, an outstanding housing loan, and it is not the same house.

Ninth meet the following conditions, identified by the Chengdu provident fund center handling department, can not be included in the calculation of housing units:

(a) to choose monetary compensation for the demolished shed reform project, and provide the compensation and resettlement contract and the filing form of the compensation and resettlement contract for the demolished house;

(two) houses built on collective land, provide rural housing ownership certificate and housing information summary table issued by the local housing construction department.

How much can Chengde Meizi City provident fund loan borrow? 3 provident fund loan processing process

(1) When applying for provident fund loans, the borrower shall fill in a written application at the loan acceptance outlets, submit true, complete and effective application materials as required, and cooperate with the loan investigation and review.

In case of purchasing a re-traded house, the seller shall be present to provide relevant information.

(two) the loan acceptance network accepts and investigates the loan application and application materials for preliminary examination, and puts forward preliminary examination opinions.

(3) Chengdu Provident Fund Center conducts the examination and approval, and if it passes the examination and approval, it will notify the loan bank of the examination and approval result.

(4) The loan bank shall, according to the examination and approval conclusion, handle the contract signing and other relevant procedures with the borrower, mortgagor and guarantor (if any).

If you buy an auction house or an existing house, the purchase contract should have been filed and the relevant materials for mortgage registration should have been received. According to the project cooperation agreement, it is necessary to complete the mortgage notice registration, which should have been implemented long ago.

When buying a re-traded house, the borrower and the seller can only handle the house transfer formalities after receiving the notice of transfer, and submit the transferred immovable property certificate and other materials to the real estate registration department for mortgage registration, and the loan bank can obtain the immovable property registration certificate (mortgage right).

(5) After the loan bank confirms that the relevant loan procedures are completed and meet the loan conditions, it will be submitted to Chengdu Provident Fund Center for approval.

(six) after the approval of Chengdu Provident Fund Center, the loan bank will issue loans.

1. The forward housing provident fund loan funds shall be transferred to the special account of the pre-sale supervision bank confirmed by the real estate development enterprise in the name of the borrower's payment for the house purchase.

2. The existing housing provident fund loan funds shall be transferred to the sales account confirmed by the real estate development enterprise in the name of the borrower's payment for the house purchase.

3. The housing provident fund loan funds used for re-trading shall be transferred to the account of the seller who meets the conditions of the loan bank as stipulated in the loan contract in the name of the borrower's payment for the house purchase.

(seven) the loan bank shall notify the signatory to receive the contract.

Note: In the process of handling provident fund loans, if it is found that the loan applicant does not meet the loan conditions, and the online registration or ownership registration information of the purchased house is inconsistent with the information submitted when applying for loans, Chengdu Provident Fund Center or the loan bank has the right to return it and inform the loan applicant of the reasons.