1. In Xi, the process of provident fund loan is as follows.
(A) the new housing provident fund loan process
The applicant applies to the entrusted bank and provides relevant information. The entrusted bank signs a loan contract and submits it to the provident fund center and the center for loan approval after preliminary examination;
After the approval, the guarantee company shall go through the relevant formalities such as mortgage registration and issue a notice of guarantee completion. After the guarantee is completed, the entrusted bank applies for a loan to the center, and the central finance department allocates funds according to the application, and the entrusted bank transfers the allocated funds received to the house selling unit.
(B) Second-hand housing provident fund loan application process
The applicant submits an application for a second-hand housing loan to the Provident Fund Center, and the Center arranges an evaluation company recognized by the Provident Fund Center to evaluate the application with normal provident fund deposit and meeting the loan conditions, and issue an evaluation report.
The entrusted bank shall, according to the specific circumstances of the applicant's family and real estate evaluation, determine the loan amount and duration and sign a loan contract.
After the preliminary examination, submit the loan to the provident fund center for approval. After the approval of the center is completed, the guarantee company shall go through the relevant procedures such as property right transaction transfer and mortgage registration, and issue a notice of guarantee completion.
After the guarantee is completed, the entrusted bank submits a loan application to the center, and the central finance department allocates funds according to the application, and the entrusted bank transfers the allocated funds to the fund supervision account.
2, provident fund loans need to provide the following materials:
(a) to buy pre-sold commercial housing, it is necessary to provide: a registered commercial housing sales contract; Proof of down payment. Online filing needs to provide inquiry methods, and commercial housing sales contracts that are not filed online need to be stamped with the registration stamp of the local real estate management department or issued with the registration certificate.
(two) the purchase of existing homes, need to provide: "commercial housing sales contract"; Real estate license; Deed tax payment certificate; Purchase invoice.
(three) the purchase of second-hand housing, the need to provide: real estate sales contract; Property ownership certificate after the change of ownership; Deed tax payment certificate; Purchase invoice.
3. How long can the provident fund loan be approved?
The loan application materials are complete and correct, and the bank will accept and submit them within 7 working days, and the credit personnel will complete the examination and approval within 8 working days.
With the loan conditions, the guarantee company will complete the audit and issue a letter of guarantee within 3 working days; The entrusting bank shall issue the loan in time after the guarantee is settled, and the longest period shall not exceed 3 working days.
4. How to calculate how much you can borrow from your provident fund?
If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 750,000 yuan.
(1) If the sum of the borrower's and spouse's provident fund accounts is more than 20,000 yuan, the loan amount = (borrower's provident fund deposit account balance+spouse's provident fund deposit account balance) × multiple (18 times )× deposit time coefficient.
The deposit time coefficient of the borrower.
6 months (inclusive) ≤ deposit time ≤36 months 1
Deposit time is 36 months 1.2
(2) If the total balance of the deposit account of the borrower and spouse is less than 5,000 yuan, the maximum loan amount shall not exceed 250,000 yuan;
(3) If the total balance of the deposit account of the borrower and spouse exceeds 5,000 yuan but is less than 1 1,000 yuan, the maximum loan amount shall not exceed 300,000 yuan;
(4) If the total balance of the deposit account of the borrower and spouse exceeds 6,543,800 yuan but less than 20,000 yuan, the maximum loan amount shall not exceed 350,000 yuan.
5. Do you support provident fund and commercial "portfolio loan"?
When employees who normally pay the housing provident fund and meet the conditions of personal housing provident fund loans purchase self-occupied ordinary housing, the insufficient part of the provident fund loans can be supplemented by commercial personal housing loans from banks. The borrower's loan consists of two parts: provident fund loan and commercial loan.
At present, there are nine banks that can handle portfolio loans: Industrial and Commercial Bank of China, China Construction Bank, China Bank, Agricultural Bank, China Merchants Bank, Huaxia Bank, China Everbright Bank, Shanghai Pudong Development Bank and China CITIC Bank.
6. Can commercial loans be transferred to provident fund?
At present, the Chang 'an Road Sub-branch of CCB is conducting a pilot project of transferring business to public. For specific questions, please consult the Credit Department of Xi Housing Provident Fund Management Center at 89650809/896508 10.