Letter of credit clause

1. The borrower must open an individual housing provident fund account 180 days, counting forward from the date of applying for provident fund loans, and pay the housing provident fund in full and on time for more than 6 months;

2. The original lending bank agrees to repay in full in advance;

3. The borrower has no outstanding provident fund loans, the borrower and his spouse have good credit, and no more than 2 housing loans are being repaid (group loans are not subject to this restriction);

4. The title certificate of the house purchased by the original commercial loan has been issued;

5. Choose the first loan, and use the own, * * * or third-party owned property house as collateral; If you choose to repay the loan first, you will have self-raised funds to repay the balance of commercial loans.

6. Only pure provident fund loans can apply for transfer to provident fund loans;

7. Business-to-business loans can be handled by "first come, then lend" or "first repay, then lend"; Group corporate loans can only be "repaid first and then loaned".

8. The purchaser and mortgagor must be 18 years old;

9. Meet other conditions stipulated by laws, regulations and rules.

Note: If the borrower's unit fails to pay the housing provident fund for more than 65 consecutive days (including 65 days), the loan will not be granted.

loan limit

The management center shall calculate the loanable amount of the borrower according to the following requirements, and take the lowest value as the total loan amount of the borrower:

1, maximum loan amount regulation

Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Industrial Park have a maximum loan amount of 450,000 yuan for a single person and 700,000 yuan for a double person; The maximum loan amount in Jinzhou New District, Bonded Zone and Lushunkou District is 330,000 yuan for a single person and 580,000 yuan for a double person; Puwan New District, Changxing Island Economic Development Zone, Huayuankou Economic Zone, pulandian city, wafangdian city, zhuanghe city and Changhai County have a maximum loan amount of 280,000 yuan for a single person and 470,000 yuan for a double person.

2. Provisions on the maximum loan amount for individuals and families

(1) When the borrower applies for a single loan again after the provident fund loan is paid off, the amount shall not exceed the difference between the maximum amount of personal and family loans and the amount of personal and family loans (including the approved amount and the provident fund loans handled at the foreign housing provident fund center, the same below); When applying for a couple loan again, the amount shall not exceed the difference between the maximum amount of family loan and the amount of family loan; When applying for parent-child dual loan again, the loan amount shall not exceed the difference between the maximum loan amount of two people and the loan amount of two people, and the difference between the maximum loan amount of two families and the loan amount of two families.

② One spouse has applied for a loan in his own name, which does not affect the other spouse's application for a loan in his own name, but the loan amount of the other spouse does not exceed the difference between the maximum loan amount of the individual and the family and the loan amount of the individual and the family; The provisions of the preceding paragraph shall apply to the other party who applies for a double loan.

(3) If the borrower who was originally a husband and wife divorced and changed the borrower during the loan repayment period, the loan owner should be consistent with the owner of the house, and the full amount of the loan should be included in the owner's loan amount, and 50% of the loan amount should be included in the other party's loan amount.

3. Provisions on down payment ratio

① The proportion of self-raised funds stipulated in the first suite shall not be less than 40% of the lower value of the transaction price, evaluation price and mortgage evaluation price of the purchased house, and the loan amount shall not exceed the principal balance of the bank loan; Loans to public organizations shall not exceed the difference between the loan amount calculated by the loan amount calculation formula and the original provident fund loan amount.

② The proportion of self-raised funds for the second suite is not less than 60% of the transaction price, evaluation price and evaluation price of the purchased house, and the loan amount does not exceed the principal balance of the bank loan. Loans to public organizations shall not exceed the difference between the loan amount calculated by the loan amount calculation formula and the original provident fund loan amount.

4, according to the formula calculation

① Loan amount = (borrower's monthly housing provident fund deposit base × repayment ability coefficient+borrower's monthly housing provident fund deposit total amount) × 12× loan period.

② If the military (police) officer participates in the loan as an auxiliary borrower: loan amount = monthly salary of the military (police) officer × repayment ability coefficient × 12× loan period.

5, two ways to choose

After calculating the loan amount according to the provisions of the first four articles, the borrower can choose the actual loan amount in the following two ways, and the calculation formula is as follows:

Mode 1: If the borrower chooses not to withdraw and use the balance of his spouse's housing provident fund account in cash, he can enjoy the maximum loanable amount calculated according to the provisions of the preceding four articles;

In the second way, if the borrower chooses to withdraw the balance of his spouse's housing provident fund account in cash, the actual loan amount he can enjoy is the balance of the borrower's and spouse's housing provident fund account after deducting the maximum loanable amount calculated according to the provisions of the preceding four articles (including the withdrawal amount of this house purchase).

Business-to-public loan: the amount of the first withdrawal of the housing provident fund by the borrower and spouse using the original business loan procedures and the balance of the housing provident fund account when applying for a loan from the provident fund should be deducted.

Group corporate loans: deduct the amount of the first withdrawal of housing provident fund by the borrower and spouse when using commercial loans in group loans.

Note: Both husband and wife can only choose Option 2, and calculate the loanable amount by withdrawing the housing provident fund.

deadline

The loan period of housing provident fund is 1 ~ 30 years, and the loan period plus the age of the principal borrower shall not exceed the prescribed age (65 years for male employees and 60 years for female employees), and the original commercial loan age and mortgage age plus the loan period shall not exceed 40 years.

Application material

1

Loan application form: fill in the business hall of the Central Bureau.

2 hukou book

Require the borrower, the borrower's spouse and the mortgagor to provide. If the children and parents are not in the same place of residence, the certificate of immediate family members issued by the police station where the parents are registered must be provided. If parents move out from the place where their children are registered, the police station where their children are registered can issue a lineal relatives certificate.

3 copies of household registration book 1 copy

Provisions are the same as 2. The copied contents refer to the first page of the household registration book and the registration card of the borrower.

4 ID card

Require the borrower, the borrower's spouse, the purchaser, the purchaser's spouse and the mortgagor to provide.

5 copies of ID card 65438+ 0 copies.

The ID number and name of the purchaser's ID card, household registration book and marriage certificate must be consistent.

6 proof of marital status

If the borrower or mortgagor is married, a marriage certificate is required; Unmarried, need to provide a single statement; Divorce, need to provide a single statement, divorce certificate or divorce judgment issued by the court, divorce mediation; Widowed, it is necessary to provide a single statement, a medical death certificate, a death cancellation certificate issued by the public security organ, a death judgment issued by the court, or a household registration book indicating the death of the widowed spouse. If the real estate transaction registration management department in the area where the house is located has special requirements, relevant materials shall be provided according to the requirements of the real estate transaction registration management department.

7 Copy of marital status certificate 1 copy.

8 List of repayment balance stamped by the bank

9 Bank loan contract

10 bank loan contract 1 copy

1 1 Commodity House Sales Contract or Stock House Sales Agreement

12 copy of commercial housing sales contract or stock house sales agreement 1 copy.

13 commercial housing settlement invoice or stock house deed tax ticket

14 copy of commercial housing settlement invoice or deed tax ticket of stock house 1 copy.

15 The real estate license is owned by itself, and * * * owned or owned by a third party as collateral.

16 Two copies of the house ownership certificate owned by oneself, owned by * * or owned by a third party as collateral.

Of which 1 copy is used for evaluation; Mortgaged use 1 copy

17 Property Ownership Certificate purchased by commercial loan

18 Two copies of the house ownership certificate purchased by commercial loan.

Of which 1 copy is used for evaluation; Mortgaged use 1 copy

19 appraisal report 1 house 1 copy.

20 repayment passbook

According to the requirements of the window staff, it will be made public in the business hall of the Central Bureau.

2 1 provident fund card and transaction password

The main borrower and the auxiliary borrower need to provide

Treatment process

1. Acceptance: the borrower fills in the loan application form and authorizes the borrower and his spouse to inquire about the credit information system. After the center verifies that there are no bad loans or bad credit records, it will go to the real estate appraisal agency selected by the center for bidding to evaluate the mortgaged house (if the loan is made first, the original commercial loan house and the mortgaged house need to be evaluated separately). After three working days, submit the materials required for the loan to the center.

2. Approval: The Center will determine the amount and duration of provident fund loans after reviewing the complete application materials submitted by borrowers. (If you choose to repay the loan first, the center will issue the Loan Approval Form within 5 working days, and the borrower will pay off the bank loan with self-raised funds to cancel the mortgage of the original commercial loan house, and the borrower and mortgagor will go to the center to continue the formalities with the mortgage house ownership certificate). After the borrower pays the relevant fees, the center signs a loan contract with the borrower and the mortgagor.

If the loan is repaid first, the borrower shall ensure that all the funds transferred to the provident fund loan are used to repay the original commercial loan in advance, and submit relevant materials (original and photocopy of the mortgaged house property right certificate, proof of early settlement of the bank loan, etc.). ) Go to the center for review within three months from the date of transfer of provident fund loans.

If the loan is repaid first, the borrower shall go through the formalities of repaying the original commercial loan in advance and canceling the mortgage registration of the original mortgaged house within three months from the date of issuing the Approval Form for Personal Housing Provident Fund Loan in the center. The borrower holds the Approval Form for Personal Housing Provident Fund Loan and other related materials to the center acceptance office to handle the follow-up procedures for the transfer of provident fund loans. More than three months, the original application for examination and approval procedures invalid.

3. Mortgage registration: The borrower and mortgagor (or agency) go through the mortgage registration formalities with the real estate transaction registration management department with the relevant written documents of mortgage registration, and hand over the mortgage settlement data to the center.

4. Lending: After receiving and verifying the mortgage registration materials, the center entrusts the bank to transfer the provident fund loan funds into the borrower's personal bank settlement account by transfer.

Handling place

Business to public loans, to the housing provident fund office in the area where the mortgaged house is located.

Members of the public with group loans may apply for portfolio loans from the former provident fund office.

Processing time limit

I am present, the materials are complete and compliant, and I choose first come, first served, and I can complete the loan application approval on the same day; If you choose to repay the loan first, the borrower and the mortgagor will go to the center again with the ownership certificate of the mortgaged house, and the loan application can be approved on the same day.

If the loan conditions are met, the loan will be issued on the date agreed in the contract.