Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

From September 20 12, the existing house can be up to 400,000.

The concept of existing residence

Xianfang refers to the housing that the development enterprise has completed the property right certificate, can directly handle the registration procedures of housing property right and mortgage, and has not been sold by the development enterprise and has not been completed and accepted for more than three years.

Scope of action

In the future, employees can apply for housing provident fund loans when purchasing faster houses, existing houses, second-hand houses and affordable housing.

Consortium lending

As long as they meet the requirements, they can apply for portfolio loans, and banks cannot refuse employees' portfolio loan requirements without reason.

Existing housing provident fund loan

Maximum amount: 400,000 yuan, longest term: 30 years, and minimum down payment: 30%.

The interest rate of the first home mortgage is 4.0% for five years and below, and 4.5% for five years and above.

Huaxi Daily reporter learned from Chengdu Provident Fund Center that from this month, Chengdu will open the "existing home" housing provident fund loan business.

It is understood that employees can also apply for housing provident fund loans when they purchase housing in property certificates. As a result, housing provident fund loans will cover various types of houses such as faster houses, existing houses, second-hand houses and affordable housing.

The coverage of provident fund loans has been further expanded.

Xianfang refers to the housing that the development enterprise has completed the property right certificate (property right certificate), can directly handle the registration procedures of housing property right and mortgage, and has not been sold by the development enterprise and has not exceeded the housing completion acceptance for three years.

"According to previous research, there is a large demand for existing housing loans in Chengdu. In order to meet the diversified loan needs of employees, we have opened the existing housing provident fund loan business. " The relevant person in charge of the Chengdu Provident Fund Center told the reporter that the launch of the "existing home loan" business has further expanded the coverage of housing provident fund loans, and employees can apply for housing provident fund loans when purchasing forward houses, existing houses, second-hand houses and affordable housing.

The maximum loan amount of the existing housing provident fund is 400,000 yuan.

It is understood that the maximum amount of existing housing provident fund loans is 400,000 yuan, the longest period is 30 years, and the down payment ratio is not less than 30%. When employees buy the first suite, the loan interest rate for less than five years (including five years) is 4.0%; 4.5% for more than five years; The purchase of the second house is implemented according to the loan interest rate of the first house at the same period 1. 1 times.

The relevant person in charge of Chengdu Provident Fund Center told the reporter that employees can choose their own loan banks when handling housing provident fund loans. China Construction Bank, Industrial Bank, Chengdu Bank, Chengdu Rural Commercial Bank, China Bank, Bank of Communications, Industrial and Commercial Bank, Agricultural Bank and China Merchants Bank all set up service windows in the loan service hall of the provident fund center, and employees can choose loan banks from nine banks according to actual conditions.

The person in charge also reminded the loan workers that if the amount of housing provident fund loans they can apply for cannot fully meet their own loan needs, they can apply for commercial personal housing loans from six loan banks: China Construction Bank, Industrial Bank, Chengdu Bank, Rural Commercial Bank, China Bank and Bank of Communications. "As long as the conditions are met, you can apply for a portfolio loan, and banks cannot refuse employees' portfolio loan requirements without reason. "

skill

1

Entrusted withdrawal service of housing provident fund: loan workers can sign an entrusted withdrawal agreement with Chengdu Provident Fund Center. After the contracted employees repay the housing loan every year, Chengdu Provident Fund Center will automatically transfer the approved housing provident fund to the employee housing provident fund joint card account according to the agreed time, and employees do not need to go to the provident fund center for withdrawal procedures every year.

2

Customer service platform for housing provident fund: For public consultation on relevant business policies, please call Chengdu Housing Provident Fund service hotline at 963 19.

(The above answers were published on 20 13-02-0 1. Please refer to the actual situation for the current purchase policy. )

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