The process of applying for a loan
1. The lender shall submit a written application to the bank, and fill in and submit the housing provident fund loan application form? . At the same time, the lender is required to provide these materials: the applicant's valid identity document; The applicant's housing provident fund deposit certificate; Proof of economic ability and repayment ability (such as proof of income); Reasonable and effective procurement contract; Other relevant information needed.
2. The bank will review the materials submitted by the lender. If these materials are complete and true, the bank will apply for a loan and submit relevant information to the housing provident fund management center.
3 housing provident fund management center to review and analyze the above information, whether to grant loans, and timely notify the bank of the results.
If approved, the bank can notify the lender to handle the loan according to the procedures. After the lender signs the loan procedures with the bank, the bank will send these procedures to the provident fund management center again for review. Will the provident fund center allocate funds to the bank after the examination and approval? Banks can also issue loans to lenders according to contracts.
loan limit
According to the provisions in the Administrative Measures, the loan amount of the provident fund is assessed according to the grade. Among them, the maximum A-level loan is 800,000 yuan, AA-level loan is 920,000 yuan, and AAA-level loan is 6,543.8+0,400 yuan. In terms of the loan term, the Measures also stipulate that the longest loan term is 30 years, and the sum of the lender's age and the loan term shall not exceed 70 years (if the husband and wife jointly borrow money, the older one shall prevail). In addition, the loan period is also related to the age of the building. For example, the sum of the building and loan period of brick-concrete structure should not exceed 47 years, while the standard of steel-concrete structure is 57 years.
Housing provident fund loan conditions
The employee's unit must open a housing provident fund account in the entrusted bank determined by the county people's government and pay the housing provident fund on time for more than one year.
First, the loan object
In line with the "loan conditions" and the need to buy houses, administrative institutions and enterprise employees buy housing reform, affordable housing, commercial housing or self-built housing in this area.
Second, the loan amount and interest rate.
The entrusted loan amount of housing provident fund shall not exceed 70% of the total housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for less than five years, and 5. 13% for more than five years.
Third, the loan term.
According to the employee's remaining service and repayment ability. The longest term of housing provident fund personal housing entrusted loan is 20 years. Employees with less than 20 years of remaining service can be relaxed for 3 years.
Four, employee loans should provide materials
(a) to apply to the housing provident fund management department, after passing the preliminary examination, send the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate;
(2) The employee will fill in a complete Application Form for Personal Loan of Cengong County Housing Provident Fund and submit the following materials to the Credit Unit of the County Housing Provident Fund Management Department;
1. Two loan applications (signed by married spouse);
2. The original and photocopy of the house purchase contract or agreement 1 copy each;
3. Original and photocopy of the Registration and Filing Form for Pre-sale Contract of Commercial Housing 1 copy;
4. Two copies of the down payment receipt;
5. Two copies of the applicant's husband and wife's ID card and household registration book;
6. Two originals of the income certificate of the applicant's husband and wife;
7. One original and one copy of the personal account inquiry form of the applicant's husband and wife's housing provident fund (with the official seal of the bank where the account is opened) and one copy of 1;
8. Married people need to provide a copy of marriage certificate, and divorced people need to provide two copies of divorce certificate; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;
9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;
10. To purchase and build affordable housing, it is necessary to provide two approval documents for construction land, construction project planning permit, building construction permits, house elevation, house floor plan and relevant government departments.
The above is some information related to the housing provident fund loan procedure. If you need a loan in the near future, you must read the above information carefully and understand the conditions and processes of these provident fund loans before you can get twice the result with half the effort when applying for a loan!
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