What information does Lanzhou provident fund portfolio loan need? The interest rates of provident fund loans and commercial loans in portfolio loans shall be subject to the relevant provisions of the People's Bank of China. The longest term of portfolio loan is 30 years. What information does Lanzhou provident fund portfolio loan need?
What information does Lanzhou provident fund portfolio loan need? 1 The materials needed for first-hand houses and second-hand houses are slightly different.
First, yishoufang
1. Identity cards (original and photocopy) of the applicant, spouse, all * * * borrowers and property owners. All the above must be present (minor: birth certificate) and bring your private seal.
2. The household registration book (original and photocopy) is the same as above.
3. Marriage certificate: marriage certificate (original and photocopy), unmarried certificate and divorce certificate (original and photocopy).
4, the borrower, all * * * with the income of the borrower.
5. Down payment invoice (more than 20% of the house price)
6. Pre-sale permit (auction house) or large production certificate (existing house) (copy)
7. Pre-sale contract (auction house) or sales contract (existing house) (original)
8. A copy of the business license, qualification certificate and ID card of the legal representative of the real estate developer.
9. Collection account number of real estate developer or agent
10. Deduction passbook (original and copy) for deposit and withdrawal.
1 1. Provident fund account number: including * * * the same borrower.
Second, second-hand housing.
1. The identity cards (original and copy) of the applicant, spouse, all * * * borrowers and the property owner must be present (minors: birth certificate) with personal seals.
2. The household registration book (original and photocopy) is the same as above.
3. Marriage certificate: marriage certificate (original and photocopy), unmarried certificate and divorce certificate (original and photocopy).
4, the borrower, all * * * with the income of the borrower.
5. Second-hand house sales contract (original)
6. Last family's ID card (original and photocopy) and real estate license (original and photocopy)
7. The down payment receipt (original and photocopy) exceeds 30% of the house price.
8. Real estate appraisal report
9. Loan passbook (copy), if the loan comes home.
10. Deduction passbook (original and copy) for deposit and withdrawal.
1 1. Provident fund account number: including * * * the same borrower.
What information does Lanzhou provident fund portfolio loan need 2 Lanzhou housing provident fund portfolio loan application conditions
First of all, the borrower should have the basic conditions
(1) Having legal and valid identity certificates and not exceeding the statutory retirement age stipulated by the state;
(2) Deposited in Lanzhou Provident Fund Center and in a normal state, and continuously paid the provident fund in full monthly for more than 6 months (inclusive);
(3) Having a stable economic income and the ability to repay the loan principal and interest;
(4) The borrower and the borrower have good credit;
(five) must meet the requirements of Lanzhou provident fund center housing provident fund loans and commercial bank housing loans.
Second, the purchase of housing should have the "basic conditions"
(a) commercial housing must be registered by Lanzhou Provident Fund Center and commercial banks respectively before mortgage can be implemented;
(2) Second-hand houses can apply for portfolio loans.
Note: Real estate development enterprises have projects under construction or commercial housing projects with land mortgage, and cannot handle portfolio loan business.
What information does Lanzhou provident fund portfolio loan need? 3 Lanzhou housing provident fund portfolio loan amount
1. If the borrower purchases the first house, the maximum combined loan shall not exceed 70% of the total price of the house purchased; For the purchase of a second house, the combined loan shall not exceed 50% of the total price of the house purchased. The identification of the first suite and the second suite shall be subject to the identification rules of Lanzhou Provident Fund Center;
2. The maximum amount of provident fund loans is 600,000 yuan. The specific amount of housing provident fund loans is determined according to the "Operating Rules for Individual Housing Loans of Housing Provident Fund in Lanzhou Provident Fund Center", and the amount of commercial loans is determined by commercial loan banks according to bank regulations;
3. For those who buy hardcover houses and apply for portfolio loans, the loan amount shall be determined based on the value of rough houses, and for those who buy second-hand houses and apply for portfolio loans, the loan amount shall be determined based on the value recognized by Lanzhou Provident Fund Center;
4. The ratio of monthly payment to the borrower's household income shall not exceed 50%.
Portfolio loan interest rate
The interest rates of provident fund loans and commercial loans in portfolio loans shall be implemented in accordance with the relevant provisions of the People's Bank of China.
Loan term and repayment method
The loan term of provident fund loans and commercial loans in portfolio loans is the same, and the longest term of portfolio loans is 30 years. The specific term is subject to the loan term approved by Lanzhou Provident Fund Center. The repayment method can be equal principal and interest or average capital.