Fuzhou housing provident fund loan:
1. The property buyer Fuzhou has paid personal income tax and social insurance for one year or more according to law, and can prove social insurance; There can only be one house under the name of the buyer. You can't buy a house if you have two or more houses.
2. Non-local households with social insurance payment certificates are restricted to purchase 1 house (including new construction); For households with registered residence in this city who already own two or more houses, households with non-registered residence in this city who own 1 houses and above, and households with non-registered residence in this city who cannot provide the tax payment certificate or social security payment certificate in this city 1 year, the sale of housing in this city will be suspended.
Materials required:
1, the household registration book of the borrower and its spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. proof of income;
6. The credit status report of the borrower and his spouse printed by the bank;
7, in accordance with the law of housing sales contracts or agreements.
Legal basis: Article 22 1 of the Civil Code of People's Republic of China (PRC).
In order to ensure the realization of property rights in the future, when signing a house sale agreement or other real estate property rights agreement, the parties may apply to the registration agency for advance registration as agreed.
After the advance notice registration, the obligee without advance notice registration agrees with the validity of the biological right. If no application for registration is made within 90 days from the date of debt registration after advance notice registration, the advance notice registration shall be invalid.
What conditions do Fuzhou commercial loans need to turn into provident fund loans?
When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:
Meet the application conditions for housing provident fund loans in this Municipality;
The borrower must be the borrower or spouse of the original housing loan (the buyer is required);
The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;
Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
Never applied for a housing provident fund loan.
Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):
Original purchase contract;
Original purchase invoice issued by the tax department;
Original Property Ownership Certificate and Land Certificate;
Original ID cards of both husband and wife (valid for more than one year);
Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);
Original household registration book;
Original bank settlement voucher and repayment voucher;
Original loan contract signed with the bank.
Three, Fuzhou provident fund loan conditions
Legal analysis: basic conditions: 1. Buy commercial houses and second-hand houses with steel-concrete structure in Fuzhou (except villas) 2. The applicant's provident fund account is normal and has been paid continuously for more than 6 months (inclusive) 3. The applicant and his family have no house or only one house (excluding the house applying for the loan) 4. The applicant and his family have not applied for housing provident fund loans. Or you only applied for a provident fund loan once, but it has been settled for two years. 5. The applicant and some property owners agree to use the purchased house as mortgage guarantee for the loan. 6. The real estate sold by the developer has been filed in the provident fund center. Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings 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 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Four, Fuzhou provident fund loan amount calculation formula?
Loan amount of housing provident fund = balance of housing provident fund account of both husband and wife of the borrower on the loan application date 1.2 Adjustment coefficient α of housing provident fund expected to be paid by both husband and wife of the borrower from the loan application date to the retirement date.
Loose liquidity (loan utilization rate of 2 months in the last quarter)
The maximum and minimum amount of housing provident fund loans:
(1) When the liquidity is loose and normal, the maximum amount of employee family housing provident fund loans will be 800,000 yuan for dual employees and 500,000 yuan for single employees;
(two) when the liquidity is tight, the maximum amount of employee family housing provident fund loans is 600 thousand yuan for dual employees and 400 thousand yuan for single employees;
(3) In order to support the housing needs of low-and middle-income families, regardless of the liquidity of funds, the minimum amount of housing provident fund loans is determined to be 200,000 yuan.
(4) Workers' families who apply for housing provident fund loans for the first time and have no housing under their names are not restricted by the liquidity of housing provident fund funds. The maximum loan amount of housing provident fund is 800,000 yuan for double employees and 500,000 yuan for single employees.
When employees' families apply for housing provident fund loans (excluding matching commercial loans), in addition to calculating the loan amount according to the calculation formula, they must also meet the following conditions: the loan amount of housing provident fund ≤ the maximum loan amount of provident fund; The loan amount of housing provident fund is less than or equal to 70%/60%/50% of the value of collateral; The monthly debt of employees' families is less than or equal to 60% of the monthly income of employees' families.