First, Changchun provident fund loan conditions
Article 5 A borrower applying for a personal housing provident fund loan shall meet the following conditions:
(a) should be a natural person with full capacity for civil conduct;
(two) the normal deposit of housing provident fund meets the prescribed conditions;
(three) the purchase, construction, renovation and overhaul of urban self-occupied housing;
(four) have a stable income and the ability to repay the principal and interest of the loan;
(five) there are not less than the prescribed proportion of self-raised funds for the purchase, construction or overhaul of self-occupied housing. If both husband and wife of the borrower meet the above conditions, only one party is allowed to apply for housing provident fund loans.
Article 6 A borrower must provide a guarantee when applying for a personal housing provident fund loan. The guarantee methods include: taking the purchased self-occupied house, self-owned house or house owned by a third person as collateral; Or pledge the securities recognized by Changchun Provident Fund Management Center; Or a legal person, other organization or natural person capable of paying off debts on its behalf. The specific loan guarantee method is determined by Changchun Provident Fund Management Center according to different loan types. The relevant expenses arising from providing loan guarantee shall be borne by the borrower.
Article 7 If the borrower uses the purchased owner-occupied house as collateral for the loan, it must use the full value of the house as collateral for the loan.
Second, Changchun provident fund loan process
Article 11 When applying for a loan, a borrower shall submit the following materials:
(a) loan application;
(two) proof of housing provident fund deposit;
(3) Identity certificate;
(4) proof of stable economic income;
(five) the purchase, construction and overhaul of owner-occupied housing contracts and other relevant certification materials;
(six) other relevant materials that need to be provided.
Twelfth Changchun City Provident Fund Management Center and the branches authorized by Changchun City Provident Fund Management Center shall, after receiving the loan application and other materials that meet the requirements, examine whether the borrower has the loan conditions, the amount and duration of the loan application. After passing the examination, notify the loan bank to sign a loan contract with the borrower, sign a guarantee contract with the guarantor, handle the mortgage, pledge, guarantee and other guarantees and related procedures, and notify the loan bank to issue loans after approval by Changchun Provident Fund Management Center.
Three, Changchun provident fund loan amount, duration
Loan amount: The maximum amount of individual housing provident fund loan shall not exceed 600,000 in principle. The average borrower's monthly repayment amount does not exceed his family income (married: both husband and wife; Unmarried: 50% of the borrower) determines the loan amount and refers to the total house price.
Term of loan: the term of housing provident fund loan is 1 to 30 years, and the term of second-hand house is 1 to 20 years, but the period from the date of loan issuance to the national legal retirement age shall not exceed 5 years (male 65 years old, female 60 years old).
(The above answers were published on 20 13- 12-04. Please refer to the actual situation for the current purchase policy. )
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